State credit union · South Portland, Maine · NCUA charter #60646
Coast Line
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $89.3M
- Total assets
- 3,305
- Members
- 18.7%
- Net-worth ratio
Coast Line scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $89.3M; members 3,305; net-worth ratio 18.67%; health rank #1,570 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,570 of 4,374 health · 2025Q4Coast Line · health 87/100 · $89.3M · 2025Q4
- RANK 87/100
- PHOTO 18.7%
- BOOK 0.35%
- CHARTER 1.34%
- NCUSIF $89.3M
- CAMELS 3,305
- HEALTH #1,570/4,374
- NW St. Thomas
- DELQ 60646
Call Report peers
Coast Line in the assets neighbourhood
Coast Line's $89.3M assets sit next to St. Thomas ($89.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Coast Line vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% 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
Coast Line - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60646, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Coast Line vs $50M–$100M peers
- Net Worth Ratio leads the peer set - 18.67% here, 13.62% peer average (+5.05 pp).
- Loan-to-Share Ratio trails the peer set - 54.33% here, 62.60% peer average (-8.27 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Maine standing for Coast Line
- Health composite ranks #28 of 48 among scored Maine credit unions.
- Maine assets place: #41 of 48.
- Member book place in Maine: #45 of 48.
In-state ordinals use the live credit_unions table for ME only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Coast Line Call Report trajectory
Coast Line: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $89.3M (2025Q4) to $89.3M (2026Q1).
- Net-worth ratio shifted +0.38 pp (18.29% → 18.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 18.67%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.5 pts
- Loan-to-Share Ratio 11.5 pts
Coast Line vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.67% | +5.05 pp |
| Delinquency Rate | 0.35% | -0.62 pp |
| Return on Assets | 1.34% | +0.68 pp |
| Member Growth | -1.93% | - |
| Loan-to-Share Ratio | 54.33% | -8.27 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Coast Line filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $89.3M | - |
| 2025Q4 | $89.3M | 3,305 |
| 2024Q4 | $81.5M | 3,370 |
| 2023Q4 | $76.0M | 3,382 |
Credit Union Details
- Charter Number
- 60646
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Maine
- City
- South Portland
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Coast Line.
| Office | City |
|---|---|
| Corp Office-333 Cottage (Main Office) | South Portland, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
Other federally-insured credit unions in Maine, closest first by peer group and asset size.
Coast Line nationwide neighbourhoods
Coast Line's nationwide photo peers by assets and by health score, excluding Maine charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($89.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Coast Line ranks #1,570 of 4,374 nationally on financial health and #28 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GARDINER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GARDINER
- Rates and health both vary by institution, not just by state -- see how Maine credit unions compare overall before assuming this one is typical. Maine state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Coast Line financially healthy?
Coast Line has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,570 of 4,374; by total assets it ranks #1,924 of 4,374 nationally (same basis as /rankings/largest); and #41 of 48 within Maine. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.67% and delinquency rate of 0.35%.
How does Coast Line compare to other credit unions?
PlainCU's health composite puts Coast Line at 87/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Coast Line?
Membership eligibility for Coast Line depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Coast Line directly for current membership requirements and application steps.
Is my money safe at Coast Line?
Federal credit unions like Coast Line are 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. Coast Line's net worth ratio of 18.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Coast Line offer compared to banks?
Credit unions like Coast Line are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Coast Line directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.