State credit union · Corpus Christi, Texas · NCUA charter #68482
COASTLIFE
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $516.0M
- Total assets
- 34,541
- Members
- 11.6%
- Net-worth ratio
COASTLIFE scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $516.0M; members 34,541; net-worth ratio 11.60%; health rank #3,717 of 4,374; healthier than 15th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,717 of 4,374 health · 2025Q4COASTLIFE · health 68/100 · $516.0M · 2025Q4
- CAMELS 68/100
- HEALTH 11.6%
- NW 1.37%
- DELQ -0.04%
- ROA $516.0M
- ASSETS 34,541
- MEM #3,717/4,374
- RANK SUNWEST
- PHOTO 68482
Call Report peers
COASTLIFE in the assets neighbourhood
COASTLIFE's $516.0M assets sit next to SUNWEST ($516.5M) 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.
COASTLIFE 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
68 15th percentile higher than 15% 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
COASTLIFE - Share Insurance Coverage
Charter #68482'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 COASTLIFE
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +0.42 pp (11.60% vs 11.18%).
- Largest lag: Loan-to-Share Ratio at 74.33% vs peer 83.90% (-9.57 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where COASTLIFE sits in Texas
- Texas health ordinal: #324 of 386.
- Texas assets place: #64 of 386.
- Membership ranks #62 of 386 among Texas CUs with a reported count (34,541 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
COASTLIFE: 2025Q4 → 2026Q1
COASTLIFE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $516.0M (2025Q4) to $517.5M (2026Q1).
- Net-worth ratio shifted +0.07 pp (11.53% → 11.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 68/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.2 pts
- Return on Assets 4.2 pts
- Member Growth 1.9 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.60% | +0.42 pp |
| Delinquency Rate | 1.37% | +0.49 pp |
| Return on Assets | -0.04% | -0.55 pp |
| Member Growth | -3.96% | - |
| Loan-to-Share Ratio | 74.33% | -9.57 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - COASTLIFE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $517.5M | - |
| 2025Q4 | $516.0M | 34,541 |
| 2024Q4 | $495.6M | 35,967 |
| 2023Q4 | $479.4M | 37,289 |
Credit Union Details
- Charter Number
- 68482
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Corpus Christi
- Data Quarter
- 2025Q4
Branch Locations (9)
COASTLIFE operates 9 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Administration Building (Main Office) | Corpus Christi, TX |
| Branch - Alice | Alice, TX |
| Branch - Trojan | Corpus Christi, TX |
| Branch - Calallen | Corpus Christi, TX |
| Branch - Weber | Corpus Christi, TX |
| Branch - 5th Street | Corpus Christi, TX |
| Branch - Saratoga | Corpus Christi, TX |
| Branch - Kingsville Area | Kingsville, TX |
| Branch - Portland | Portland, 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.
Cross-state Call Report peers for COASTLIFE
COASTLIFE's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($516.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
Using this data
- COASTLIFE ranks #3,717 of 4,374 nationally on financial health and #324 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Security First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Security First
- 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 COASTLIFE financially healthy?
Yes/no aside, the number is 68/100 (Good) - COASTLIFE'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 #3,717 of 4,374; by total assets it ranks #738 of 4,374 nationally (same basis as /rankings/largest); and #64 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.60% net worth ratio and 1.37% delinquency rate are the key drivers.
How does COASTLIFE compare to other credit unions?
COASTLIFE scores 68/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 COASTLIFE?
Membership eligibility for COASTLIFE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact COASTLIFE directly for current membership requirements and application steps.
Is my money safe at COASTLIFE?
Federal credit unions like COASTLIFE 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. COASTLIFE's net worth ratio of 11.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does COASTLIFE offer compared to banks?
Credit unions like COASTLIFE 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 COASTLIFE 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.