COASTAL COMMUNITY
Charter #11927 · Galveston, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 11,008 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.70% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.21% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.84% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.33% sits at the 89th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | COASTAL COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $96.03M | 95th pct | 75th pct |
| Members | 11,008 | 97th pct | 85th pct |
| Net worth ratio | 9.98% | 20th pct | 34th pct |
| Return on average assets | -0.70% | 4th pct | 3th pct |
| Net interest margin | 3.69% | 50th pct | 39th pct |
| Cost of funds | 1.21% | 67th pct | 79th pct |
| Loan-to-share | 55.95% | 42th pct | 51th pct |
| Delinquency 60+ days | 1.84% | 92th pct | 92th pct |
| Net charge-off ratio | 1.33% | 93th pct | 89th pct |
| Loan growth YoY | -8.00% | 6th pct | 10th pct |
| Share growth YoY | -0.59% | 12th pct | 15th pct |
| Efficiency ratio | 103.94% | 95th pct | 97th pct |
structural peer set hash: b91d168e58add3169ba111bb7292d59b… (reproducible)
Closest structural peers
This is the free public view
Claim COASTAL COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.