Federal credit union · Raleigh, North Carolina · NCUA charter #18297
COASTAL
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $6.03B
- Total assets
- 343,471
- Members
- 9.6%
- Net-worth ratio
COASTAL scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.03B; members 343,471; net-worth ratio 9.62%; health rank #690 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#690 of 4,374 health · 2025Q4COASTAL · health 93/100 · $6.03B · 2025Q4
- CHARTER 93/100
- NCUSIF 9.6%
- CAMELS 0.78%
- HEALTH 0.68%
- NW $6.03B
- DELQ 343,471
- ROA #690/4,374
- ASSETS TINKER
- MEM 18297
COASTAL in the assets neighbourhood
COASTAL's $6.03B assets sit next to TINKER ($6.05B) 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.
COASTAL 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
93 Top 16% higher than 84% 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
COASTAL - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #18297, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
COASTAL vs Over $500M peers
- Return on Assets leads the peer set - 0.68% here, 0.51% peer average (+0.18 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -2.58 pp (81.32% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
COASTAL: in-state Call Report ranks
- North Carolina health ordinal: #9 of 57.
- Assets rank #2 of 57 inside North Carolina ($6.03B reported).
- Membership ranks #3 of 57 among North Carolina CUs with a reported count (343,471 members).
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How COASTAL's 5300 filing moved
COASTAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $6.03B (2025Q4) to $6.21B (2026Q1).
- Net-worth ratio shifted -0.12 pp (9.74% → 9.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.62% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 22.2 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for COASTAL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.62% | -1.56 pp |
| Delinquency Rate | 0.78% | -0.09 pp |
| Return on Assets | 0.68% | +0.18 pp |
| Member Growth | 1.93% | - |
| Loan-to-Share Ratio | 81.32% | -2.58 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).
COASTAL quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.21B | - |
| 2025Q4 | $6.03B | 343,471 |
| 2024Q4 | $5.51B | 336,958 |
| 2023Q4 | $4.99B | 331,458 |
Credit Union Details
- Charter Number
- 18297
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- North Carolina
- City
- Raleigh
- Data Quarter
- 2025Q4
Branch Locations (22)
The NCUA branch filing lists 22 physical offices for COASTAL, spread across 10 cities.
| Office | City |
|---|---|
| Administrative Headquarters (Main Office) | Raleigh, NC |
| Olive Chapel Village #131 | Apex, NC |
| Carrboro Branch #139 | Carrboro, NC |
| Crescent Commons #133 | Cary, NC |
| Cornerstone #122 | Cary, NC |
| North Harrison #114 | Cary, NC |
| WakeMed Cary | Cary, NC |
| South Square #119 | Durham, NC |
| IBM Bldg. 500 (CPL) #115 | Durham, NC |
| Page Road #123 | Durham, NC |
| Hope Valley #128 | Durham, NC |
| White Oak Crossing #124 | Garner, NC |
| Henderson | Henderson, NC |
| Holly Springs | Holly Springs, NC |
| Lenovo Development | Morrisville, NC |
| St. Albans Branch #130 | Raleigh, NC |
| Wakefield Commons #106 | Raleigh, NC |
| Creedmoor Road #135 | Raleigh, NC |
| Crabtree #192 | Raleigh, NC |
| WakeMed Raleigh | Raleigh, NC |
| Brier Creek | Raleigh, NC |
| Rocky Mount | Rocky Mount, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
More federally-insured credit unions based in North Carolina, ordered by peer group match and asset size.
Other-state peers near COASTAL
Cross-state asset and health neighbours for COASTAL - kept outside North Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($6.03B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- COASTAL ranks #690 of 4,374 nationally on financial health and #9 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRULIANT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRULIANT
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina 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 COASTAL financially healthy?
COASTAL has a financial health score of 93/100 (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 #690 of 4,374; by total assets it ranks #67 of 4,374 nationally (same basis as /rankings/largest); and #2 of 57 within North Carolina. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.62% and delinquency rate of 0.78%.
How does COASTAL compare to other credit unions?
Five weighted metrics from NCUA filings produce COASTAL's 93/100 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 COASTAL?
COASTAL 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 COASTAL directly for the exact boundaries and application steps.
Is my money safe at COASTAL?
Federal credit unions like COASTAL 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. COASTAL's net worth ratio of 9.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does COASTAL offer compared to banks?
Credit unions like COASTAL 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 COASTAL 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.