# BLUE COAST
Perry, FL · NCUA charter 11154 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/blue-coast-11154

Who the members are: federal charter, community charter, organized 1956, low-income designated. 11,373 members of 612,424 potential (1.9% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $170.2M |
| Members | 11,373 (2.0% YoY) |
| Full-time staff | 33 |
| Net worth | $18.0M |
| Net worth ratio | 10.6% (p34 of band) |
| ROA (annualized) | 0.89% (p62 of band) |
| Total delinquency | 0.10% (p8 of band) |
| Net charge-offs (annualized) | 0.75% (p82 of band) |
| Loans / shares | 86% (p82 of band) |
| Cash / assets | 17.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.94% (p66 of band) |
| Operating expense / assets | 4.02% (p62 of band) |
| Vehicles % of loans | 45% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p34 of band) |
| Vehicle delinquency | 0.15% (p16 of band) |
| Vehicle NCO | 0.26% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 9% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 35% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 31% |
| Average share balance | $7,751 |
| Participations bought / yr | $2.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $6.1M |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $17,260 |
| Loans granted, annualized | $71.6M |

## Participation posture (from the same filings)

Bought $2.0M and sold $0 in the latest annualized quarter; $6.1M outstanding purchased (34.2% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 2.1% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | repo signal |  |
| 2016-09 | 0 |  | repo signal |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | net worth falling, losing money, delinquency rising |  |
| 2017-06 | 0 |  | net worth falling, losing money, delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | delinquency rising, loans>95% of shares |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 0 |  | loans>95% of shares |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | members leaving |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 1 |  | members leaving |
| 2020-09 | 1 | delinquency rising | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | net worth falling | delinquency rising |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency 2x band |  |
| 2023-06 | 1 | members leaving | delinquency rising, delinquency 2x band |
| 2023-09 | 0 |  | members leaving |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 2 | net worth falling, delinquency rising |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 0 |  | net worth falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-05 [North Carolina man arrested, accused of defrauding Florida credit union - WCTV](https://news.google.com/rss/articles/CBMioAFBVV95cUxNcHRPSnZpak10ajlCUkdsQXR2Z1kyV0s2Y0ZsOWxidXpkNUFSdFM3S3UzRVJoU0dfVGtQbnpmOTZPVW42a21IWWdrSDBsYmFUb3d0LUJYTFJKMkRWUmc4aTdLaDg1a0pRWW16dlE5NUFYcDlHMnMwbEFORl9zdzhmMG5nRjlUZloySkVUSzJ5emtOUGNVOEZPcUhZYVEyZEE5?oc=5) · WCTV
- 2026-03-05 [FDLE Arrests North Carolina Man for Bank Fraud - fdle.state.fl.us](https://news.google.com/rss/articles/CBMilgFBVV95cUxOWkVoMzd6Vy1TUGtHNUhPQjRObjdSRG9HOTJaSkdJaVBuazhLZk9wS0tKUWdQcFM2QWtDY0xlcnJ0a1ZORVBYcDduZllqQnE1amZFTWZHZmtvSDkyU1J6Y0NaRU50XzBuNTZuRWlVY0pTd0daUkIzS2tmS0FMV3gtQkhITGtOQVhwS1hLcXIyTXVIR0ZGeXc?oc=5) · fdle.state.fl.us
- 2025-09-02 [Earn 10%+ APY: Top Kids’ Savings Accounts You Can't Afford to Miss - Investopedia](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQcHlFYXNkZUtIaWlVeUxaM0IycHJYaEkySFZyeW5IczB3dWUzaldDZWJpVktBaXltSFRTVGtDbHBFNlo1WXRueVRrRHNZeFlCSi16anM0VUxwM05mNl9Sak5MY3d2T3NYb1N1UlFPbjJjTFZFUjZGTGFCV2dVdFp0Y0VBTU9LMXVSU2h4MGVhNkFvYk1mMnk3Sk1TYncwbkdMTTZUZ1NIdXVIdjA?oc=5) · Investopedia
- 2026-03-05 [Raleigh businessman arrested in Florida for allegedly falsifying $198K loan, fake boat title - WRAL](https://news.google.com/rss/articles/CBMifkFVX3lxTE81WmpCa3RDMGdlTjZfZ1VZZFlJWHBoMFY1VnRwSEpEMGdoSU8wczdGQXhoZE9LUXpxNno5bUF0anozVWQ2cllwazNKWEpUZ0Fpd1B5Wk9TM0dvejJmbWNHN0lFaVY5ejRXRTJId2YxbHJvdGxhVDNlZVFCRlB0QQ?oc=5) · WRAL
- 2026-05-20 [Amanda Thompson, Walker Elrod earn Scholar Athlete of the Year honors - WCTV](https://news.google.com/rss/articles/CBMioAFBVV95cUxNX3NCVDdUSHFzOEZCNE5teVlIVldpcDZaNE5oQUJrSDFxTzg0bnlsZU1ZcnJtVWRkdGt1MF82YmwtaXRqd0RENGktOXlvUlpROGVTZ19GTFYtY3plOHBQVVd1OVBhc2kxU3pRUkpqSklTMXFJZzFEdWlqWktVY2RvaGZXZ0d0c0FvblUyZ0xIVVFZSWZDd193V1pENnNveWtR?oc=5) · WCTV
- 2023-02-19 [Hattson Nawlin Obituary (2021 - 2023) - PERRY, FL - North Augusta Star - Post and Courier](https://news.google.com/rss/articles/CBMipwFBVV95cUxOV1hIS05LaFdCMmYtemdsYTdDN1BoWEctT1lIbE95SHRDRUphZVpUUmZzU28weHl4dXJVTGRYRzNJMVFreUhQWHJlZFBIYTlrOUMwNVkxd2owRUp2T3FIbjRmVmhXdERrRWFHVFROZ29qQ19FaS1lWFN3RWtlMmxtOURnRWxHZlF0Z2JoNkYxbXpvQkprMC0yZlY0NlhhQWIyY2lUT3RpSQ?oc=5) · Post and Courier
- 2024-05-24 [Google Wallet adds 25 new US banks to its support list - androidpolice.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFAwTkhxMVhwV09EeXQ3dVp1eE1kR0JRc3RacUU0bHhOQ2tWS2c0THhwa3BqNVN2ZGJKbzFxS1E3N043bkRUTjVBelA1VllDTWlXMGMzRTVRQy1OVmstUGZOSHNobC0zVVk1RDFHUQ?oc=5) · androidpolice.com
- 2023-09-21 [Taylor County Basketball Coach loses home to generator fire just after Hurricane Idalia - WCTV](https://news.google.com/rss/articles/CBMitwFBVV95cUxNUENYQzM2VGpjeFRQQ1g2ZnhQZ3Qta1F4dHFfSnA3N19XRFctZXhXS0FIZHpaWE94Nms5aTV3MzVhSUQwYXBGVGh0MjNLdGJLdzlxOXBDUEpIaS1jNUhKcm1qRm1VZk40cEFVUUdSa3JxLU1WdTg1eXFWXzBseGkwU1FXVzVXSm1DdUM3dnhTWVF4Si1Za01WdW5zcGJWTEJEX3VIVVFGQUwxcmRQamo4Z3BtcjFJQzTSAcsBQVVfeXFMUFNWcFNXamZMN3lYZ3lFcS1idDRiTkQ0eElxMllHZmh1RTBYSV83bV9fNDNSOWhYNk1Mb29TNEVZeVhZdzdXaTZBcF9WSzE5R3hzNVYzYk9JbXVwc21ma1NiVXI5ZFlxblZwbUZsUm9ITTVIZWZuOVh2WVEzV2NBN0V3RDlRNmF0UGxKQ21KN2t5T0duVk04LWxMeU92UW9sQy1Ia1N2OWhpQmxXZUQwSmtTSEIyODZkRUNrTWZtVkl3ZEZiU3VYOERsY2M?oc=5) · WCTV

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11154 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/18.json (key "11154", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11154
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide