Federal credit union · Ft Lauderdale, Florida · NCUA charter #22159
Coral Community
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $39.5M
- Total assets
- 3,583
- Members
- 9.1%
- Net-worth ratio
Coral Community scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $39.5M; members 3,583; net-worth ratio 9.06%; health rank #3,669 of 4,374; healthier than 16th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,669 of 4,374 health · 2025Q4Coral Community · health 69/100 · $39.5M · 2025Q4
- NCUSIF 69/100
- CAMELS 9.1%
- HEALTH 0.10%
- NW -0.44%
- DELQ $39.5M
- ROA 3,583
- ASSETS #3,669/4,374
- MEM Diablo Valley
- RANK 22159
Call Report peers
Coral Community in the assets neighbourhood
Coral Community's $39.5M assets sit next to Diablo Valley ($39.6M) 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.
Coral 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
69 16th percentile higher than 16% 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
Coral Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #22159 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Coral Community: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 66.68% vs peer 59.80% (+6.88 pp).
- Net Worth Ratio trails the peer set - 9.06% here, 14.86% peer average (-5.80 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Coral Community in Florida
- In Florida, health place is #104 of 109 on the same NCUA-ratio sort used nationally.
- Assets rank #86 of 109 inside Florida ($39.5M reported).
- Florida membership ordinal: #83 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Coral Community: 2024Q4 → 2025Q4
Coral Community: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -4.2% from $41.3M (2024Q4) to $39.5M (2025Q4).
- Membership moved -4.4% from 3,747 to 3,583 over the same window.
- Net-worth ratio shifted +0.06 pp (9.00% → 9.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.6 pts
- Member Growth 1.1 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.06% | -5.80 pp |
| Delinquency Rate | 0.10% | -1.04 pp |
| Return on Assets | -0.44% | -1.14 pp |
| Member Growth | -4.38% | - |
| Loan-to-Share Ratio | 66.68% | +6.88 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Coral Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $39.5M | 3,583 |
| 2024Q4 | $41.3M | 3,747 |
| 2023Q4 | $42.4M | 3,935 |
Credit Union Details
- Charter Number
- 22159
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Florida
- City
- Ft Lauderdale
- Data Quarter
- 2025Q4
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Cross-state Call Report peers for Coral Community
Coral Community's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($39.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- Coral Community ranks #3,669 of 4,374 nationally on financial health and #104 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- City-County Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with City-County Employees
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida 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 Coral Community financially healthy?
Coral Community has a financial health score of 69/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,669 of 4,374; by total assets it ranks #2,616 of 4,374 nationally (same basis as /rankings/largest); and #86 of 109 within Florida. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.06% and delinquency rate of 0.10%.
How does Coral Community compare to other credit unions?
On PlainCU's health composite, Coral Community lands at 69/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Coral Community?
Coral 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 Coral Community directly for the exact boundaries and application steps.
Is my money safe at Coral Community?
Federal credit unions like Coral 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. Coral Community's net worth ratio of 9.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Coral Community offer compared to banks?
Credit unions like Coral 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 Coral 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.