State credit union · Pawtucket, Rhode Island · NCUA charter #67278
COASTAL1
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $3.42B
- Total assets
- 145,616
- Members
- 10.6%
- Net-worth ratio
COASTAL1 scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.42B; members 145,616; net-worth ratio 10.56%; health rank #1,828 of 4,374; healthier than 57th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,828 of 4,374 health · 2025Q4COASTAL1 · health 86/100 · $3.42B · 2025Q4
Call Report peers
COASTAL1 in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
COASTAL1 vs every NCUA-scored credit union
COASTAL1 sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
COASTAL1 vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +25.18 pp (109.08% vs 83.90%).
- Largest lag: Net Worth Ratio at 10.56% vs peer 11.18% (-0.62 pp).
Rhode Island standing for COASTAL1
- In Rhode Island, health place is #4 of 14 on the same NCUA-ratio sort used nationally.
- Assets rank #2 of 14 inside Rhode Island ($3.42B reported).
- Rhode Island membership ordinal: #2 of 14.
- One place up in Rhode Island, NAVIGANT (#3) scores 94/100, 8 points higher; one place down, Natco Employees (#5) scores 85/100, 1 point lower.
Quarter path for COASTAL1
COASTAL1: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $3.42B (2025Q4) to $3.47B (2026Q1).
- Net-worth ratio shifted +0.06 pp (10.50% → 10.56%).
At 10.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
COASTAL1 gives up 14 points in total. Loan-to-Share Ratio costs the most, 7.9 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.3 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 7.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.56% | -0.62 pp |
| Delinquency Rate | 0.35% | -0.52 pp |
| Return on Assets | 0.25% | -0.26 pp |
| Member Growth | 2.86% | - |
| Loan-to-Share Ratio | 109.08% | +25.18 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.47B | - |
| 2025Q4 | $3.42B | 145,616 |
| 2024Q4 | $3.34B | 141,565 |
| 2023Q4 | $3.32B | 139,016 |
Credit Union Details
- Charter Number
- 67278
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Rhode Island
- City
- Pawtucket
- Data Quarter
- 2025Q4
Branch Locations (19)
Per its most recent NCUA branch filing, COASTAL1 runs 19 offices in 15 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Pawtucket, RI |
| Bristol Branch | Bristol, RI |
| Independence Way Branch | Cranston, RI |
| Sockanosset Crossroad Branch | Cranston, RI |
| Cumberland Branch | Cumberland, RI |
| East Greenwich Branch | East Greenwich, RI |
| Warren Avenue Branch | East Providence, RI |
| Johnston Branch | Johnston, RI |
| North Attleboro Branch | North Attleboro, MA |
| North Kingstown Branch | North Kingstown, RI |
| Mineral Spring Avenue Branch | North Providence, RI |
| Broadway Branch | Pawtucket, RI |
| Smithfield Avenue Branch | Pawtucket, RI |
| Wayland Square Branch | Providence, RI |
| Newport Avenue | Rumford, RI |
| Putnum Pike Branch | Smithfield, RI |
| Wakefield Branch | Wakefield, RI |
| Warwick Avenue Branch | Warwick, RI |
| Post Road Branch | Warwick, RI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Rhode Island
Other federally-insured credit unions in Rhode Island, closest first by peer group and asset size.
COASTAL1 nationwide neighbourhoods
Using this data
- COASTAL1 ranks #1,828 of 4,374 nationally on financial health and #4 of 14 in RI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NAVIGANT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NAVIGANT
Frequently Asked Questions
Is COASTAL1 financially healthy?
COASTAL1 has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,828 of 4,374 nationally on health and #4 of 14 in Rhode Island. Its net worth ratio is 10.56% and its delinquency rate 0.35%.
How does COASTAL1 compare to other credit unions?
COASTAL1 scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (109.08% vs 83.90%). Its widest shortfall is net worth ratio (10.56% vs 11.18%).
How can I join COASTAL1?
Membership eligibility for COASTAL1 depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact COASTAL1 directly for current membership requirements and application steps.
Is my money safe at COASTAL1?
COASTAL1 is a state-chartered 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. COASTAL1's net worth ratio of 10.56% 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.