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
Call Report peers
Coral Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Coral Community sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Florida, We Florida Financial (#103) ties at 69/100; one place down, Ocala Community (#105) scores 65/100, 4 points lower.
Coral Community: 2024Q4 → 2025Q4
Coral Community: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- 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%).
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
Coral Community gives up 31 points in total. Return on Assets costs the most, 14.4 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Coral Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Coral Community scores 69/100 (Good), with a 9.06% net worth ratio and 0.10% of loans delinquent. It ranks #3,669 of 4,374 nationally on health and #104 of 109 in Florida.
How does Coral Community compare to other credit unions?
Coral Community scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (66.68% vs 59.80%). Its widest shortfall is net worth ratio (9.06% vs 14.86%).
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?
Coral Community is a federal 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. Coral Community's net worth ratio of 9.06% 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.