Federal credit union · Galveston, Texas · NCUA charter #11927
Coastal Community
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $97.6M
- Total assets
- 11,064
- Members
- 10.0%
- Net-worth ratio
Coastal Community scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $97.6M; members 11,064; net-worth ratio 9.98%; health rank #3,481 of 4,374; healthier than 20th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,481 of 4,374 health · 2025Q4Coastal Community · health 72/100 · $97.6M · 2025Q4
- HEALTH 72/100
- NW 10.0%
- DELQ 1.70%
- ROA 1.27%
- ASSETS $97.6M
- MEM 11,064
- RANK #3,481/4,374
- PHOTO INDIANHEAD
- BOOK 11927
Call Report peers
Coastal Community in the assets neighbourhood
Coastal Community's $97.6M assets sit next to INDIANHEAD ($97.7M) 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 Community 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
72 20th percentile higher than 20% 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 Community - Share Insurance Coverage
Charter #11927'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.
Peer-gap read for Coastal Community
- Strongest edge vs 584 $50M–$100M peers is Return on Assets: +0.61 pp (1.27% vs 0.66%).
- Largest lag: Loan-to-Share Ratio at 58.57% vs peer 62.60% (-4.03 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Coastal Community: in-state Call Report ranks
- In Texas, health place is #304 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Coastal Community is #146 of 386 in Texas.
- Member book place in Texas: #124 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Coastal Community: 2025Q4 → 2026Q1
Coastal Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.6% from $97.6M (2025Q4) to $96.0M (2026Q1).
- Net-worth ratio shifted -0.02 pp (10.00% → 9.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.98% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.7 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.3 pts
Call Report ratios for Coastal Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.98% | -3.64 pp |
| Delinquency Rate | 1.70% | +0.74 pp |
| Return on Assets | 1.27% | +0.61 pp |
| Member Growth | -5.44% | - |
| Loan-to-Share Ratio | 58.57% | -4.03 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Coastal Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $96.0M | - |
| 2025Q4 | $97.6M | 11,064 |
| 2024Q4 | $94.2M | 11,701 |
| 2023Q4 | $94.2M | 15,259 |
Credit Union Details
- Charter Number
- 11927
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Galveston
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Coastal Community, spread across 3 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Galveston, TX |
| Stewart Road | Galveston, TX |
| Houston Branch | Houston, TX |
| La Marque Branch | La Marque, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Coastal Community, both outside Texas 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 ($97.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- Coastal Community ranks #3,481 of 4,374 nationally on financial health and #304 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WINDTHORST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WINDTHORST
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 Community financially healthy?
Yes/no aside, the number is 72/100 (Very Good) - Coastal Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,481 of 4,374; by total assets it ranks #1,843 of 4,374 nationally (same basis as /rankings/largest); and #146 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.98% net worth ratio and 1.70% delinquency rate are the key drivers.
How does Coastal Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Coastal Community's 72/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Community?
Coastal Community 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 Community directly for the exact boundaries and application steps.
Is my money safe at Coastal Community?
Federal credit unions like Coastal Community 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 Community's net worth ratio of 9.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Coastal Community offer compared to banks?
Credit unions like Coastal Community 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 Community 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.