COASTLIFE

Charter #68482 | TX

500M-750M (169 CUs) Community (281 CUs)
16 500M-750M in TX

COASTLIFE has 3 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 7.2% in tier
  • + Relationship Depth Leader: Top 8.2% in tier
  • + First Mortgage Concentration (%): Top 3.0% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 4.9% in tier
  • - Membership Headwinds: Bottom 9.4% in tier
  • - Stagnation Risk: Bottom 21.2% in tier
  • - ROA 0.48% below tier average
  • - Delinquency rate 0.71% above tier average
  • - Member decline: -4.2% YoY
  • - Net Charge-Off Rate: Bottom 1.8% in tier
  • - Total Assets: Bottom 4.7% in tier
  • - Indirect Auto Concentration (%): Bottom 7.7% in tier
  • - Member Growth Rate: Bottom 8.3% in tier
  • - Total Deposits: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 34,666
-4.2% YoY-3.2% QoQ
 -5.1K 39,752
-2.7% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 37th in tier
Assets $508.6M
+3.2% YoY-0.7% QoQ
 $-113.8M $622.4M
+0.3% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Bottom 4.1% in tier
Loans $344.7M
+4.2% YoY+5.7% QoQ
 $-91.3M $435.9M
-0.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 14.2% in tier
Deposits $451.9M
+3.1% YoY-1.1% QoQ
 $-86.1M $538.0M
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Bottom 8.9% in tier
ROA 0.2%
-194.3% YoY+693.9% QoQ
 -0.5% 0.7%
+33.9% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 12.4% in tier
NIM 3.2%
+14.2% YoY+2.6% QoQ
 -0.3% 3.4%
+8.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 31st in tier
Efficiency Ratio 75.8%
-9.2% YoY-2.8% QoQ
 -2.3% 78.1%
-3.4% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 37th in tier
Delinquency Rate 1.5%
-23.7% YoY-6.4% QoQ
 +0.7 0.8%
-4.9% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Top 12.4% in tier
Loan To Share 76.3%
+1.1% YoY+6.9% QoQ
 -4.8% 81.0%
-1.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 31st in tier
AMR $22,981
+8.1% YoY+5.1% QoQ
 $-4K $26,482
+2.6% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 37th in tier
CD Concentration 31.6%
+9.4% YoY+2.0% QoQ
 +7.2% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 75th in tier
Indirect Auto % 42.1%
+8.2% YoY+14.6% QoQ
 +28.2% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 7.6% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#198 of 1006 • Top 7.2% in tier

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

Why This Signature
AMR Growth (YoY): 8.06%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#227 of 1006 • Top 8.2% in tier

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

Why This Signature
AMR Growth (YoY): 8.06%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (3)

Indirect Auto Dependency

risk
#79 of 525 • Bottom 4.9% in tier

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

Why This Signature
Asset Growth (YoY): 3.18%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 42.15%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -4.16%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Membership Headwinds

decline
#155 of 550 • Bottom 9.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -4.16%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk
#350 of 550 • Bottom 21.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.18%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -4.16%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $23.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 31.60%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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 169 peers in tier

Top Strengths (2 metrics)

6
First Mortgage Concentration (%)
balance_sheet
Value: 9.19%
Peer Avg: 33.53%
#6 of 169 Top 3.0% in 500M-750M tier
24
AMR Growth Rate
growth
Value: 8.06%
Peer Avg: 3.12%
#24 of 169 Top 13.6% in 500M-750M tier

Top Weaknesses (9 metrics)

167
Net Charge-Off Rate
risk
Value: 1.78%
Peer Avg: 0.51%
#167 of 169 Bottom 1.8% in 500M-750M tier
162
Total Assets
balance_sheet
Value: $508.59M
Peer Avg: $622.38M
#162 of 169 Bottom 4.7% in 500M-750M tier
157
Indirect Auto Concentration (%)
balance_sheet
Value: 42.15%
Peer Avg: 16.19%
#157 of 169 Bottom 7.7% in 500M-750M tier
156
Member Growth Rate
growth
Value: -4.16%
Peer Avg: 1.75%
#156 of 169 Bottom 8.3% in 500M-750M tier
154
Total Deposits
balance_sheet
Value: $451.95M
Peer Avg: $538.02M
#154 of 169 Bottom 9.5% in 500M-750M tier
149
Total Delinquency Rate (60+ days)
risk
Value: 1.51%
Peer Avg: 0.80%
#149 of 169 Bottom 12.4% in 500M-750M tier
148
Return on Assets (ROA)
profitability
Value: 0.18%
Peer Avg: 0.66%
#148 of 169 Bottom 13.0% in 500M-750M tier
145
Members Per Employee (MPE)
engagement
Value: 247.614
Peer Avg: 338.010
#145 of 169 Bottom 14.8% in 500M-750M tier
145
Total Loans
balance_sheet
Value: $344.69M
Peer Avg: $435.95M
#145 of 169 Bottom 14.8% in 500M-750M tier