COASTAL1
Charter #67278 · Pawtucket, RI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.04% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 0.61% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.17% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.10% ranks in the 5th 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 | COASTAL1 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.47B | 70th pct | 74th pct |
| Members | 146,898 | 59th pct | 57th pct |
| Net worth ratio | 10.56% | 47th pct | 56th pct |
| Return on average assets | 0.48% | 28th pct | 28th pct |
| Net interest margin | 2.04% | 3th pct | 2th pct |
| Cost of funds | 0.61% | 14th pct | 15th pct |
| Loan-to-share | 107.29% | 98th pct | 93th pct |
| Delinquency 60+ days | 0.17% | 6th pct | 5th pct |
| Net charge-off ratio | 0.10% | 6th pct | 5th pct |
| Loan growth YoY | -0.66% | 18th pct | 20th pct |
| Share growth YoY | 2.53% | 23th pct | 31th pct |
| Efficiency ratio | 75.95% | 62th pct | 51th pct |
structural peer set hash: 617caa0ca3f56ffc4238221259f0d9ce… (reproducible)
Closest structural peers
This is the free public view
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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.