| Metric | Coastal1 Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +5.1% | -2.7 pts |
| Share growth (YoY) | +4.4% | +4.9% | -0.5 pts |
| Loan growth (YoY) | -0.4% | +5.4% | -5.9 pts |
| ROA | 0.48% | 0.71% | -0.2 pts |
| ROE | 4.6% | 6.3% | -1.7 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.47B | $2.72B | $2.91B | $362.6M | $4.1M | 0.48% | 2.02% | 0.17% | 146,898 |
| Q4 2025 | $3.42B | $2.66B | $2.91B | $358.5M | $17.8M | 0.52% | 1.87% | 0.35% | 145,616 |
| Q3 2025 | $3.41B | $2.65B | $2.93B | $355.1M | $12.8M | 0.50% | 1.82% | 0.25% | 144,318 |
| Q2 2025 | $3.40B | $2.63B | $2.93B | $350.0M | $7.7M | 0.46% | 1.78% | 0.29% | 142,081 |
| Q1 2025 | $3.39B | $2.60B | $2.93B | $345.8M | $3.5M | 0.41% | 1.72% | 0.22% | 143,783 |
| Q4 2024 | $3.34B | $2.56B | $2.90B | $342.3M | $8.7M | 0.26% | 1.55% | 0.29% | 141,565 |
| Q3 2024 | $3.35B | $2.53B | $2.90B | $342.7M | $7.4M | 0.29% | 1.54% | 0.22% | 140,061 |
| Q2 2024 | $3.32B | $2.49B | $2.93B | $341.1M | $5.8M | 0.35% | 1.55% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Coastal1 Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.71% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 6.3% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.02% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.18% |
| 138,860 |
Loan mix (Q1 2026): real estate $1.73B · commercial $238.4M · consumer $724.1M · securities $243.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 73.0% | 61th |
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% |
| Ratio | Coastal1 Credit Union | 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% |
| Ratio | Coastal1 Credit Union | 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% |
| Ratio | Coastal1 Credit Union | 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% |
| Ratio | Coastal1 Credit Union | 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% |
The full ratio pack is part of CharterBench Pro.