Federal credit union · Perry, Florida · NCUA charter #11154
Blue Coast
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $162.9M
- Total assets
- 11,280
- Members
- 10.5%
- Net-worth ratio
Blue Coast scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $162.9M; members 11,280; net-worth ratio 10.55%; health rank #666 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#666 of 4,374 health · 2025Q4Blue Coast · health 93/100 · $162.9M · 2025Q4
Call Report peers
Blue Coast in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Blue Coast vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Blue Coast sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Blue Coast vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 84.64% vs peer 72.20% (+12.44 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.56 pp (10.55% vs 12.11%).
Blue Coast in Florida
- In Florida, health place is #29 of 109 on the same NCUA-ratio sort used nationally.
- Florida assets place: #58 of 109.
- Membership ranks #57 of 109 among Florida CUs with a reported count (11,280 members).
- One place up in Florida, Calhoun Liberty (#28) ties at 93/100; one place down, UNIVERSITY (#30) ties at 93/100.
How Blue Coast's 5300 filing moved
Blue Coast: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.5% from $162.9M (2025Q4) to $170.2M (2026Q1).
- Net-worth ratio shifted -0.28 pp (10.83% → 10.55%).
This credit union's 10.55% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Blue Coast gives up 7 points in total. Member Growth costs the most, 5.2 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 15.3 pts
Blue Coast vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.55% | -1.56 pp |
| Delinquency Rate | 0.71% | -0.18 pp |
| Return on Assets | 0.77% | +0.15 pp |
| Member Growth | 0.64% | - |
| Loan-to-Share Ratio | 84.64% | +12.44 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Blue Coast
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $170.2M | - |
| 2025Q4 | $162.9M | 11,280 |
| 2024Q4 | $164.6M | 11,208 |
| 2023Q4 | $142.4M | 10,649 |
Credit Union Details
- Charter Number
- 11154
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Perry
- Data Quarter
- 2025Q4
Branch Locations (3)
Blue Coast operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| BCFCU-Perry (Main Office) | Perry, FL |
| BCFCU-Mad | Madison, FL |
| BCFCU-TLH Mahan | Tallahassee, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Blue Coast
Using this data
- Blue Coast ranks #666 of 4,374 nationally on financial health and #29 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Priorityone Credit Union of Florida is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Priorityone Credit Union of Florida
Frequently Asked Questions
Is Blue Coast financially healthy?
On its 2025Q4 NCUA 5300 filing, Blue Coast scores 93/100 (Excellent), with a 10.55% net worth ratio and 0.71% of loans delinquent. It ranks #666 of 4,374 nationally on health and #29 of 109 in Florida.
How does Blue Coast compare to other credit unions?
Blue Coast scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.64% vs 72.20%). Its widest shortfall is net worth ratio (10.55% vs 12.11%).
How can I join Blue Coast?
Blue Coast operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Blue Coast directly for the exact boundaries and application steps.
Is my money safe at Blue Coast?
Blue Coast is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Blue Coast's net worth ratio of 10.55% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.