Federal credit union · Victoria, Texas · NCUA charter #11164
Coastal Bend P O
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $13.1M
- Total assets
- 934
- Members
- 22.6%
- Net-worth ratio
Coastal Bend P O - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #11164 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Coastal Bend P O - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)80
- Earnings (ROA)22
- Member growth14
- Liquidity (loan-to-share)67
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 22.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 22.58% | 30% |
| Delinquency Rate | 1.00% | 25% |
| Return on Assets | -0.14% | 15% |
| Member Growth | -3.81% | 15% |
| Loan-to-Share Ratio | 45.14% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $13.1M | 934 |
| 2024Q4 | $14.1M | 971 |
| 2023Q4 | $14.5M | 999 |
Credit Union Details
- Charter Number
- 11164
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Victoria
- Data Quarter
- 2025Q4
What This Data Says About Coastal Bend P O
934 members and $13.1M in total assets sit behind Coastal Bend P O, a federal credit union in Victoria, Texas, which posts a health score of 65/100 (Good) on the five-factor composite, with $4.4M in outstanding loans as of Q4 2025 and a net worth ratio of 22.58% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #11164 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.00% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 45.14% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.14% on net income of $-18263 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.81%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Low Income) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Coastal Bend P O financially healthy?
Yes/no aside, the number is 65/100 (Good) - Coastal Bend P O's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 22.58% net worth ratio and 1.00% delinquency rate are the key drivers.
How does Coastal Bend P O compare to other credit unions?
On PlainCU's health composite, Coastal Bend P O lands at 65/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Coastal Bend P O?
Coastal Bend P O carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Coastal Bend P O directly to confirm current membership steps.
Is my money safe at Coastal Bend P O?
Federal credit unions like Coastal Bend P O 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 Bend P O's net worth ratio of 22.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Coastal Bend P O offer compared to banks?
Credit unions like Coastal Bend P O 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 Bend P O directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.