TellerScore

Headquartered in Perry, Florida, Blue Coast Federal Credit Union is a federal credit union with $188.5M in total assets and $167.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1956.

Based on its Q2 2026 filing, Blue Coast Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 71st. Its strongest component is problem-loan coverage (90/100; 5.0%), and its lowest is capital cushion (47/100; 9.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.68%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.46%
Earnings48/100
Return on assets (annualized): 0.71%
Funding & liquidity77/100
Loans ÷ shares: 82.8% · 0.0% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.98%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 66).

TellerScore
646973Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202464
Q4 202464
Q1 202569
Q2 202567
Q3 202567
Q4 202568
Q1 202673
Q2 202666
Net worth ratio
7.00%8.91%10.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.58%
Q3 202410.30%
Q4 20249.90%
Q1 20259.91%
Q2 202510.10%
Q3 202510.47%
Q4 202510.83%
Q1 202610.55%
Q2 20269.68%
Delinquent loans (60+ days)
0.10%0.55%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.63%
Q3 20240.99%
Q4 20240.85%
Q1 20250.41%
Q2 20250.48%
Q3 20250.61%
Q4 20250.71%
Q1 20260.10%
Q2 20260.46%
Return on assets
0.71%0.88%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.05%
Q3 20240.90%
Q4 20240.77%
Q1 20250.88%
Q2 20250.77%
Q3 20250.74%
Q4 20250.88%
Q1 20260.89%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$188.5M9.68%0.46%0.71%82.8%
Q1 202673$170.2M10.55%0.10%0.89%85.8%
Q4 202568$162.9M10.83%0.71%0.88%84.6%
Q3 202567$163.5M10.47%0.61%0.74%85.3%
Q2 202567$166.9M10.10%0.48%0.77%80.8%
Q1 202569$167.3M9.91%0.41%0.88%77.1%
Q4 202464$164.6M9.90%0.85%0.77%78.7%
Q3 202464$156.1M10.30%0.99%0.90%85.1%
Q2 202469$149.5M10.58%0.63%1.05%87.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.68%
23rd
Problem loans0.46%
69th
Net charge-offs0.53%
33rd
Return on assets0.71%
48th
Loans to deposits82.8%
33rd
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio5.0%
40th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Miami Firefighters Federal Credit UnionCredit union Miami, FL76 out of 100, Strong$189.2M12.5%0.39%vs
Miami Postal Service Credit UnionCredit union Miami, FL64 out of 100, Moderate$184.3M9.3%0.26%vs
Calhoun Liberty Credit UnionCredit union Blountstown, FL74 out of 100, Strong$179.8M10.7%0.01%vs
Pinellas Federal Credit UnionCredit union Largo, FL73 out of 100, Strong$170.4M13.1%0.92%vs
Priorityone Credit Union of FloridaCredit union Sunrise, FL73 out of 100, Strong$162.2M10.9%0.56%vs
First Choice Credit UnionCredit union West Palm Beach, FL68 out of 100, Moderate$161.3M10.4%0.60%vs

Deposit insurance

Is my money safe at Blue Coast Federal Credit Union?

Yes. Blue Coast Federal Credit Union is a federally insured credit union (NCUA charter #11154). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.68%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Blue Coast Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Blue Coast Federal Credit Union
Type
Federal credit union
NCUA charter #
11154
RSSD ID
675882
Primary regulator
NCUA
Established
1956
Headquarters
1825 S. Jefferson St., Perry, FL 32348
Employees
42

Quick answers

Blue Coast Federal Credit Union: common questions

Is Blue Coast Federal Credit Union NCUA insured?

Yes. Blue Coast Federal Credit Union is a federally insured credit union (NCUA charter #11154). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Blue Coast Federal Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Blue Coast Federal Credit Union have?

1 office as of the latest NCUA data.