Coastal Federal Credit Union
Total assets
$6.21B
▲ +8.5% YoY
Shares & deposits
$5.35B
▲ +9.0% YoY
Loans
$4.22B
▲ +3.7% YoY
Members
345,251
▲ +1.8% YoY
ROA (annualized)
0.64%
peers 0.71%
ROE (annualized)
6.65%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +5.1% | +3.4 pts |
| Share growth (YoY) | +9.0% | +4.9% | +4.1 pts |
| Loan growth (YoY) | +3.7% | +5.4% | -1.7 pts |
| ROA | 0.64% | 0.71% | -0.1 pts |
| ROE | 6.7% | 6.3% | +0.4 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
Profile
- Established
- 1967
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 1000 Saint Albans Dr, Raleigh, NC, 27609
- NCUA charter #
- 18297
- RSSD ID
- 398583
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.21B | $5.35B | $4.22B | $597.4M | $9.9M | 0.64% | 3.08% | 0.75% | 345,251 |
| Q4 2025 | $6.03B | $5.17B | $4.20B | $587.5M | $50.5M | 0.84% | 3.10% | 0.78% | 343,471 |
| Q3 2025 | $5.83B | $4.99B | $4.21B | $581.8M | $41.3M | 0.94% | 3.18% | 0.66% | 342,227 |
| Q2 2025 | $5.78B | $4.96B | $4.17B | $565.1M | $24.6M | 0.85% | 3.13% | 0.81% | 341,944 |
| Q1 2025 | $5.72B | $4.91B | $4.07B | $549.8M | $9.3M | 0.65% | 3.07% | 0.64% | 339,091 |
| Q4 2024 | $5.51B | $4.71B | $4.07B | $540.5M | $41.2M | 0.75% | 3.11% | 0.72% | 336,958 |
| Q3 2024 | $5.35B | $4.56B | $4.08B | $538.3M | $35.4M | 0.88% | 3.16% | 0.68% | 334,816 |
| Q2 2024 | $5.23B | $4.55B | $4.09B | $523.9M | $20.9M | 0.80% | 3.18% | 0.65% | 333,222 |
Loan mix (Q1 2026): real estate $2.04B · commercial $176.5M · consumer $2.00B · securities $910.4M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.71% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 6.3% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.32% | 36th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 73.0% | 36th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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