COAST LINE
Charter #60646 · South Portland, ME · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.67% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.45% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.90% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.98% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 54.46% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
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 | COAST LINE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $89.28M | 83th pct | 69th pct |
| Members | 3,307 | 15th pct | 30th pct |
| Net worth ratio | 18.67% | 86th pct | 89th pct |
| Return on average assets | 1.45% | 83th pct | 80th pct |
| Net interest margin | 2.90% | 14th pct | 21th pct |
| Cost of funds | 1.98% | 92th pct | 92th pct |
| Loan-to-share | 53.36% | 37th pct | 44th pct |
| Delinquency 60+ days | 0.52% | 43th pct | 54th pct |
| Net charge-off ratio | 0.01% | 18th pct | 31th pct |
| Loan growth YoY | -4.54% | 22th pct | 16th pct |
| Share growth YoY | 4.79% | 72th pct | 74th pct |
| Efficiency ratio | 54.46% | 6th pct | 8th pct |
structural peer set hash: e68697947681735788ef002f2c1183ea… (reproducible)
Closest structural peers
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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.