Federal credit union · Victoria, Texas · NCUA charter #11164
Coastal Bend P O
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $13.1M
- Total assets
- 934
- Members
- 25.2%
- Net-worth ratio
Coastal Bend P O scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.1M; members 934; net-worth ratio 25.23%; health rank #3,855 of 4,374; healthier than 11th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,855 of 4,374 health · 2025Q4Coastal Bend P O · health 65/100 · $13.1M · 2025Q4
Call Report peers
Coastal Bend P O in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Coastal Bend P O vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Coastal Bend P O sits in 65-69 with 275 others.
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Coastal Bend P O diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 25.23% vs peer 14.86% (+10.37 pp).
- Loan-to-Share Ratio trails the peer set - 45.14% here, 59.80% peer average (-14.66 pp).
Texas standing for Coastal Bend P O
- Health composite ranks #336 of 386 among scored Texas credit unions.
- Texas assets place: #286 of 386.
- Texas membership ordinal: #324 of 386.
- One place up in Texas, KEYSTONE (#335) ties at 65/100; one place down, WESTEX (#337) ties at 65/100.
Coastal Bend P O Call Report trajectory
Coastal Bend P O: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.3% from $13.1M (2025Q4) to $13.0M (2026Q1).
- Net-worth ratio shifted +0.37 pp (24.86% → 25.23%).
This credit union's 25.23% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 65/100 score is built
Coastal Bend P O gives up 35 points in total. Member Growth costs the most, 12.9 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.0 pts
- Return on Assets 3.2 pts
- Member Growth 2.1 pts
- Loan-to-Share Ratio 9.7 pts
Coastal Bend P O health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.23% | +10.37 pp |
| Delinquency Rate | 1.00% | -0.15 pp |
| Return on Assets | -0.14% | -0.84 pp |
| Member Growth | -3.81% | - |
| Loan-to-Share Ratio | 45.14% | -14.66 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Coastal Bend P O filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.0M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Coastal Bend P O.
| Office | City |
|---|---|
| Coastal Bend PO FCU (Main Office) | Victoria, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near Coastal Bend P O
Similar total assets
Using this data
- Coastal Bend P O ranks #3,855 of 4,374 nationally on financial health and #336 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Morris Sheppard Texarkana is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Morris Sheppard Texarkana
Frequently Asked Questions
Is Coastal Bend P O financially healthy?
On its 2025Q4 NCUA 5300 filing, Coastal Bend P O scores 65/100 (Good), with a 25.23% net worth ratio and 1.00% of loans delinquent. It ranks #3,855 of 4,374 nationally on health and #336 of 386 in Texas.
How does Coastal Bend P O compare to other credit unions?
Coastal Bend P O scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (25.23% vs 14.86%). Its widest shortfall is loan-to-share ratio (45.14% vs 59.80%).
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?
Coastal Bend P O 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 Bend P O's net worth ratio of 25.23% 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.