Federal credit union · Maite, Guam · NCUA charter #15222
COAST360
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $618.7M
- Total assets
- 45,796
- Members
- 12.1%
- Net-worth ratio
COAST360 scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $618.7M; members 45,796; net-worth ratio 12.07%; health rank #3,098 of 4,374; healthier than 28th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,098 of 4,374 health · 2025Q4COAST360 · health 77/100 · $618.7M · 2025Q4
- PHOTO 77/100
- BOOK 12.1%
- CHARTER 0.82%
- NCUSIF 0.18%
- CAMELS $618.7M
- HEALTH 45,796
- NW #3,098/4,374
- DELQ EXCITE
- ROA 15222
Call Report peers
COAST360 in the assets neighbourhood
COAST360's $618.7M assets sit next to EXCITE ($618.1M) 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.
COAST360 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
77 28th percentile higher than 28% 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
COAST360 - Share Insurance Coverage
Charter #15222's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
COAST360 vs Over $500M peers
- Net Worth Ratio leads the peer set - 12.07% here, 11.18% peer average (+0.89 pp).
- Loan-to-Share Ratio trails the peer set - 80.11% here, 83.90% peer average (-3.79 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Guam standing for COAST360
- In Guam, health place is #2 of 2 on the same NCUA-ratio sort used nationally.
- By total assets, COAST360 is #1 of 2 in Guam.
- Guam membership ordinal: #1 of 2.
In-state ordinals use the live credit_unions table for GU only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for COAST360
COAST360: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $618.7M (2025Q4) to $625.6M (2026Q1).
- Net-worth ratio shifted +0.06 pp (12.01% → 12.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.07% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.8 pts
- Return on Assets 10.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.07% | +0.89 pp |
| Delinquency Rate | 0.82% | -0.05 pp |
| Return on Assets | 0.18% | -0.33 pp |
| Member Growth | -7.03% | - |
| Loan-to-Share Ratio | 80.11% | -3.79 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
COAST360 quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $625.6M | - |
| 2025Q4 | $618.7M | 45,796 |
| 2024Q4 | $566.7M | 49,257 |
| 2023Q4 | $523.4M | 45,895 |
Credit Union Details
- Charter Number
- 15222
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Guam
- City
- Maite
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, COAST360 runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| COAST360-Maite Member Center (Main Office) | Maite, GU |
| COAST360-Dededo Mall Member Center | Dededo, GU |
| COAST360-Upper Tumon Member Center | Tamuning, GU |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Guam
More federally-insured credit unions based in Guam, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for COAST360, both outside Guam so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($618.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- COAST360 ranks #3,098 of 4,374 nationally on financial health and #2 of 2 in GU -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community First Guam is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community First Guam
- Rates and health both vary by institution, not just by state -- see how Guam credit unions compare overall before assuming this one is typical. Guam 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 COAST360 financially healthy?
COAST360 scores 77/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,098 of 4,374; by total assets it ranks #669 of 4,374 nationally (same basis as /rankings/largest); and #1 of 2 within Guam. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.07% net worth ratio and a 0.82% delinquency rate.
How does COAST360 compare to other credit unions?
Five weighted metrics from NCUA filings produce COAST360's 77/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 COAST360?
COAST360 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 COAST360 directly for the exact boundaries and application steps.
Is my money safe at COAST360?
Federal credit unions like COAST360 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. COAST360's net worth ratio of 12.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does COAST360 offer compared to banks?
Credit unions like COAST360 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 COAST360 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.