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.
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COASTAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); COASTAL sits in 90-94 with 747 others.
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 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%).
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).
- One place up in North Carolina, First Flight (#8) ties at 93/100; one place down, Wnc Community Cu (#10) scores 92/100, 1 point lower.
How COASTAL's 5300 filing moved
COASTAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $6.03B (2025Q4) to $6.21B (2026Q1).
- Net-worth ratio shifted -0.12 pp (9.74% → 9.62%).
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
COASTAL gives up 7 points in total. Member Growth costs the most, 3.7 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is COASTAL financially healthy?
On its 2025Q4 NCUA 5300 filing, COASTAL scores 93/100 (Excellent), with a 9.62% net worth ratio and 0.78% of loans delinquent. It ranks #690 of 4,374 nationally on health and #9 of 57 in North Carolina.
How does COASTAL compare to other credit unions?
COASTAL scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.68% vs 0.51%). Its widest shortfall is loan-to-share ratio (81.32% vs 83.90%).
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?
COASTAL is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.