COASTAL

Charter #18297 | NC

5B-7B (34 CUs) Large (64 CUs)
2 5B-7B in NC

COASTAL has 6 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 16.1% in tier
  • + Wallet Share Momentum: Top 18.8% in tier
  • + Relationship Depth Leader: Top 19.7% in tier
  • + Organic Growth Engine: Top 28.4% in tier
  • + ROA 0.15% above tier average
  • + Net Interest Margin 0.29% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 0.0% in tier
  • - Delinquency rate 0.04% above tier average
  • - Indirect Auto Concentration (%): Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Members 342,227
+2.2% YoY+0.1% QoQ
 +52.5K 289,724
-2.8% YoY
 91,841
+6.6% YoY
 33,089
+6.1% YoY
 74th in tier
Assets $5.8B
+8.9% YoY+0.8% QoQ
 +$32.9M $5.8B
+0.2% YoY
 $1.5B
+5.5% YoY
 $547.7M
+7.8% YoY
 59th in tier
Loans $4.2B
+3.2% YoY+1.0% QoQ
 +$131.8M $4.1B
-3.1% YoY
 $1.1B
+9.9% YoY
 $388.7M
+8.6% YoY
 47th in tier
Deposits $5.0B
+9.3% YoY+0.6% QoQ
 +$98.2M $4.9B
+2.2% YoY
 $1.3B
+12.1% YoY
 $464.6M
+9.3% YoY
 62nd in tier
ROA 0.9%
+6.4% YoY+11.0% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.4%
-19.0% YoY
 0.7%
+273.4% YoY
 68th in tier
NIM 3.2%
-0.2% YoY+1.6% QoQ
 +0.3% 2.9%
+3.9% YoY
 4.1%
+4.0% YoY
 3.7%
+5.0% YoY
 71st in tier
Efficiency Ratio 62.2%
-4.7% YoY-2.6% QoQ
 -5.9% 68.1%
-1.7% YoY
 81.5%
-1.2% YoY
 79.1%
-3.3% YoY
 Bottom 23.5% in tier
Delinquency Rate 0.7%
-2.6% YoY-18.0% QoQ
 +0.0 0.6%
-2.2% YoY
 1.5%
+2.4% YoY
 1.2%
-0.9% YoY
 56th in tier
Loan To Share 84.5%
-5.6% YoY+0.4% QoQ
 +0.9% 83.6%
-5.7% YoY
 76.3%
+1.1% YoY
 68.0%
-1.7% YoY
 38th in tier
AMR $26,885
+4.1% YoY+0.7% QoQ
 $-8K $34,398
+4.0% YoY
 $17,441
+4.0% YoY
 $19,418
+1.3% YoY
 26th in tier
CD Concentration 31.1%
+1.0% YoY-1.4% QoQ
 +2.2% 28.9%
-1.3% YoY
 20.6%
+2.2% YoY
 19.6%
+6.2% YoY
 61st in tier
Indirect Auto % 38.6%
-4.0% YoY-2.6% QoQ
 +22.0% 16.6%
-10.3% YoY
 5.3%
-2.9% YoY
 7.9%
-2.9% YoY
 Top 7.8% in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#15 of 31 • Top 16.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.95%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.21%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#23 of 46 • Top 18.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.13%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY

Relationship Depth Leader

growth
#24 of 46 • Top 19.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.13%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.9K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY

Organic Growth Engine

growth
#43 of 50 • Top 28.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.21%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.95%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 38.61%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Concerns (1)

Indirect Auto Dependency

risk
#1 of 33 • Bottom 0.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 8.90%
(Tier: 4.60%, National: 3.04%)
but better than tier avg
Indirect Auto %: 38.61%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.21%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 34 peers in tier

Top Strengths (4 metrics)

6
Members Per Employee (MPE)
engagement
Value: 555.563
Peer Avg: 430.688
#6 of 34 Top 14.7% in 5B-7B tier
8
Asset Growth Rate
growth
Value: 8.90%
Peer Avg: 6.10%
#8 of 34 Top 20.6% in 5B-7B tier
9
Efficiency Ratio
profitability
Value: 62.23%
Peer Avg: 68.13%
#9 of 34 Top 23.5% in 5B-7B tier
9
Total Members
engagement
Value: 342,227
Peer Avg: 289,725
#9 of 34 Top 23.5% in 5B-7B tier

Top Weaknesses (2 metrics)

33
Indirect Auto Concentration (%)
balance_sheet
Value: 38.61%
Peer Avg: 14.61%
#33 of 34 Bottom 5.9% in 5B-7B tier
28
Net Charge-Off Rate
risk
Value: 0.91%
Peer Avg: 0.57%
#28 of 34 Bottom 20.6% in 5B-7B tier