State credit union · Pawtucket, Rhode Island · NCUA charter #67278
Coastal1
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $3.42B
- Total assets
- 145,616
- Members
- 10.5%
- Net-worth ratio
Coastal1 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67278. See our deposit-insurance coverage note.
Coastal1 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)75
- Member growth83
- Liquidity (loan-to-share)47
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.48%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.48% | 30% |
| Delinquency Rate | 0.35% | 25% |
| Return on Assets | 0.25% | 15% |
| Member Growth | 2.86% | 15% |
| Loan-to-Share Ratio | 109.08% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Coastal1
Coastal1 is a state credit union headquartered in Pawtucket, Rhode Island, serving 145,616 members with $3.42B in total assets and $2.91B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 86/100 (Excellent), anchored by a net worth ratio of 10.48% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67278 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 0.35% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 109.08% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.25% on net income of $8.7M 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 2.86%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Rhode Island
Other federally-insured credit unions in Rhode Island, closest first by peer group and asset size.
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 Coastal1 financially healthy?
Yes/no aside, the number is 86/100 (Excellent) - Coastal1's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.48% net worth ratio and 0.35% delinquency rate are the key drivers.
How does Coastal1 compare to other credit unions?
Five weighted metrics from NCUA filings produce Coastal1's 86/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 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?
Federal credit unions like Coastal1 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. Coastal1's net worth ratio of 10.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Coastal1 offer compared to banks?
Credit unions like Coastal1 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 Coastal1 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.