COASTAL1

Charter #67278 | RI

3B-5B (76 CUs) Mid-Market (380 CUs)
2 3B-5B in RI

COASTAL1 has 5 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 28.3% in tier
  • + Net Charge-Off Rate: Top 2.6% in tier
  • + Loan-to-Share Ratio: Top 2.6% in tier
  • + Loan-to-Member Ratio (LMR): Top 5.3% in tier
  • + Total Delinquency Rate (60+ days): Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 9.7% in tier
  • - Credit Quality Pressure: Bottom 23.8% in tier
  • - Indirect Auto Dependency: Bottom 27.4% in tier
  • - Growth-at-Risk: Bottom 28.4% in tier
  • - Flatlined Growth: Bottom 40.0% in tier
  • - ROA 0.24% below tier average
  • - Efficiency ratio 4.16% above tier (higher cost structure)
  • - Net Interest Margin (NIM): Bottom 2.6% in tier
  • - Share Certificate Concentration (%): Bottom 3.9% in tier
  • - Total Members: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (RI) National Avg Tier Percentile
Members 144,318
+3.0% YoY+1.6% QoQ
 -94.1K 238,465
+0.6% YoY
 35,904
+9.4% YoY
 33,089
+6.1% YoY
 Bottom 6.6% in tier
Assets $3.4B
+1.9% YoY+0.4% QoQ
 $-557.8M $4.0B
-0.1% YoY
 $771.6M
+10.6% YoY
 $547.7M
+7.8% YoY
 Bottom 18.4% in tier
Loans $2.9B
+1.1% YoY+0.1% QoQ
 $-85.3M $3.0B
+3.3% YoY
 $651.4M
+12.0% YoY
 $388.7M
+8.6% YoY
 45th in tier
Deposits $2.6B
+4.7% YoY+0.7% QoQ
 $-683.9M $3.3B
+1.1% YoY
 $641.8M
+11.9% YoY
 $464.6M
+9.3% YoY
 Bottom 10.5% in tier
ROA 0.5%
+69.4% YoY+9.9% QoQ
 -0.2% 0.7%
+5.3% YoY
 0.5%
-21.3% YoY
 0.7%
+273.4% YoY
 Bottom 21.1% in tier
NIM 1.8%
+18.4% YoY+2.6% QoQ
 -1.4% 3.2%
+13.7% YoY
 2.9%
+1.1% YoY
 3.7%
+5.0% YoY
 Bottom 1.3% in tier
Efficiency Ratio 75.4%
-10.6% YoY-2.2% QoQ
 +4.2% 71.3%
-0.6% YoY
 83.0%
+4.4% YoY
 79.1%
-3.3% YoY
 68th in tier
Delinquency Rate 0.2%
+13.7% YoY-16.3% QoQ
 -0.6 0.8%
+15.9% YoY
 0.5%
-36.2% YoY
 1.2%
-0.9% YoY
 Bottom 7.9% in tier
Loan To Share 110.7%
-3.4% YoY-0.6% QoQ
 +19.9% 90.8%
+2.0% YoY
 78.6%
+0.3% YoY
 68.0%
-1.7% YoY
 Top 3.9% in tier
AMR $38,685
-0.3% YoY-1.2% QoQ
 +$10K $29,088
+0.1% YoY
 $26,126
+7.2% YoY
 $19,418
+1.3% YoY
 Top 11.8% in tier
CD Concentration 48.6%
-1.3% YoY+0.4% QoQ
 +19.6% 29.0%
+0.8% YoY
 27.4%
+6.5% YoY
 19.6%
+6.2% YoY
 Top 3.2% in tier
Indirect Auto % 24.5%
+0.6% YoY+1.2% QoQ
 +5.7% 18.8%
-2.8% YoY
 10.6%
+7.4% YoY
 7.9%
-2.9% YoY
 67th in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#206 of 246 • Top 28.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.04%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.50%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 24.45%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Concerns (5)

Liquidity Strain

risk
#52 of 183 • Bottom 9.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 110.74%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 1.05%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#183 of 217 • Bottom 23.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#170 of 202 • Bottom 27.4% in tier

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

Why This Signature
Asset Growth (YoY): 1.87%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 24.45%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.04%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Growth-at-Risk

risk
#159 of 161 • Bottom 28.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.05%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Flatlined Growth

risk
#15 of 18 • Bottom 40.0% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $3.41B
(Tier: $3.97B, National: $547.69M)
worse than tier avg
Asset Growth (YoY): 1.87%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Return on Assets: 0.50%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
18 of 380 Mid-Market CUs have this signature | 82 nationally
→ Stable (18→18 CUs)

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 76 peers in tier

Top Strengths (6 metrics)

3
Net Charge-Off Rate
risk
Value: 0.10%
Peer Avg: 0.64%
#3 of 76 Top 2.6% in 3B-5B tier
3
Loan-to-Share Ratio
balance_sheet
Value: 110.74%
Peer Avg: 90.85%
#3 of 76 Top 2.6% in 3B-5B tier
5
Loan-to-Member Ratio (LMR)
engagement
Value: $20,328
Peer Avg: $13,761
#5 of 76 Top 5.3% in 3B-5B tier
7
Total Delinquency Rate (60+ days)
risk
Value: 0.25%
Peer Avg: 0.84%
#7 of 76 Top 7.9% in 3B-5B tier
9
Average Member Relationship (AMR)
engagement
Value: $38,685
Peer Avg: $29,088
#9 of 76 Top 10.5% in 3B-5B tier
20
Members Per Employee (MPE)
engagement
Value: 492.553
Peer Avg: 433.941
#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (9 metrics)

75
Net Interest Margin (NIM)
profitability
Value: 1.83%
Peer Avg: 3.20%
#75 of 76 Bottom 2.6% in 3B-5B tier
74
Share Certificate Concentration (%)
balance_sheet
Value: 48.56%
Peer Avg: 30.70%
#74 of 76 Bottom 3.9% in 3B-5B tier
71
Total Members
engagement
Value: 144,318
Peer Avg: 238,466
#71 of 76 Bottom 7.9% in 3B-5B tier
68
Fee Income Per Member
profitability
Value: $95.20
Peer Avg: $191.96
#68 of 76 Bottom 11.8% in 3B-5B tier
68
Total Deposits
balance_sheet
Value: $2.65B
Peer Avg: $3.33B
#68 of 76 Bottom 11.8% in 3B-5B tier
64
First Mortgage Concentration (%)
balance_sheet
Value: 51.06%
Peer Avg: 34.35%
#64 of 76 Bottom 17.1% in 3B-5B tier
62
Loan Growth Rate
growth
Value: 1.05%
Peer Avg: 9.56%
#62 of 76 Bottom 19.7% in 3B-5B tier
62
Total Assets
balance_sheet
Value: $3.41B
Peer Avg: $3.97B
#62 of 76 Bottom 19.7% in 3B-5B tier
60
Return on Assets (ROA)
profitability
Value: 0.50%
Peer Avg: 0.75%
#60 of 76 Bottom 22.4% in 3B-5B tier