COASTAL
Charter #18297 · Raleigh, NC · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 345,251 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.13% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 2.60% sits at the 93rd 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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.21B | 87th pct | 85th pct |
| Members | 345,251 | 87th pct | 84th pct |
| Net worth ratio | 9.62% | 24th pct | 30th pct |
| Return on average assets | 0.65% | 45th pct | 34th pct |
| Net interest margin | 3.13% | 37th pct | 25th pct |
| Cost of funds | 2.60% | 87th pct | 93th pct |
| Loan-to-share | 78.97% | 29th pct | 28th pct |
| Delinquency 60+ days | 0.75% | 63th pct | 62th pct |
| Net charge-off ratio | 0.92% | 79th pct | 74th pct |
| Loan growth YoY | 0.24% | 31th pct | 22th pct |
| Share growth YoY | 7.28% | 83th pct | 80th pct |
| Efficiency ratio | 69.07% | 37th pct | 41th pct |
structural peer set hash: d6f64b39e159cab3e92bd30711113a3f… (reproducible)
Closest structural peers
This is the free public view
Claim COASTAL
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.