COASTLIFE
Charter #68482 · Corpus Christi, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.07% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.99% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.98% sits at the 93rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 5th percentile but its structural peers at the 48th — a 42-point gap showing why the peer definition matters.
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 | COASTLIFE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $517.47M | 5th pct | 48th pct |
| Members | 34,532 | 29th pct | 51th pct |
| Net worth ratio | 11.60% | 68th pct | 56th pct |
| Return on average assets | 0.43% | 30th pct | 26th pct |
| Net interest margin | 3.29% | 34th pct | 30th pct |
| Cost of funds | 0.07% | 4th pct | 5th pct |
| Loan-to-share | 75.75% | 34th pct | 44th pct |
| Delinquency 60+ days | 0.99% | 78th pct | 87th pct |
| Net charge-off ratio | 1.98% | 98th pct | 93th pct |
| Loan growth YoY | 0.67% | 48th pct | 34th pct |
| Share growth YoY | 1.35% | 16th pct | 11th pct |
| Efficiency ratio | 75.29% | 35th pct | 46th pct |
structural peer set hash: 924591cfa3ad527cd12f3dabbb61d176… (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.