# COASTLINE
Jacksonville, FL · NCUA charter 1115 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/coastline-1115

Who the members are: federal charter, community charter, organized 1936, low-income designated. 10,646 members of 2,000,000 potential (0.5% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $137.3M |
| Members | 10,646 (1.2% YoY) |
| Full-time staff | 39 |
| Net worth | $15.7M |
| Net worth ratio | 11.4% (p47 of band) |
| ROA (annualized) | 0.05% (p11 of band) |
| Total delinquency | 0.23% (p18 of band) |
| Net charge-offs (annualized) | 0.64% (p76 of band) |
| Loans / shares | 70% (p51 of band) |
| Cash / assets | 9.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.75% (p56 of band) |
| Operating expense / assets | 4.74% (p82 of band) |
| Vehicles % of loans | 52% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 247% (p90 of band) |
| Vehicle delinquency | 0.20% (p21 of band) |
| Vehicle NCO | 0.48% (p48 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 14% |
| Average share balance | $6,591 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $14,958 |
| Loans granted, annualized | $30.8M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  | thin capital |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | thin capital |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | delinquency rising | thin capital |
| 2017-12 | 3 | members leaving |  |
| 2018-03 | 4 | auto monoline |  |
| 2018-06 | 5 | assets shrinking |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 4 |  | delinquency rising |
| 2019-03 | 3 |  | members leaving |
| 2019-06 | 2 |  | assets shrinking |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | net worth falling, loan book shrinking |  |
| 2020-09 | 5 | margin squeeze |  |
| 2020-12 | 4 | delinquency rising | net worth falling, loan book shrinking |
| 2021-03 | 4 | losing money | delinquency rising |
| 2021-06 | 3 | net worth falling | margin squeeze, losing money |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | net worth falling |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | delinquency rising | auto monoline |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 2 | delinquency rising | assets shrinking |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | assets shrinking |  |
| 2025-09 | 3 | delinquency rising |  |
| 2025-12 | 1 |  | assets shrinking, delinquency rising |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-05 [This Week in Paradise, September 6th - fausports.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOaTJQSHE4aG5SSGt2bV9hYkU0MVJvVHJ0OG1hT0VrcEtMSWpEMEZZSzc2WndlRDd1bjU1enZjb2stRF92RVBqYkh1SWtmRkt4RnlZZy1RV25VT1BKWkdfQ1FLNTl0QXdlN3NIQUF3Y2g5Y21kOGktRzRscWxvWnNoVE9tMnk2UQ?oc=5) · fausports.com
- 2026-05-29 [Space Coast Credit Union supports Junior Achievement’s Career Discovery Park - CUInsight](https://news.google.com/rss/articles/CBMitwFBVV95cUxOYXNKZXBNRjczdHdtWENPQ1JJeWZQU3VuS1FoZTJvS3ZzdHk3anliaExLcE5ES1RiNVdCeUxROXFsUkNpb0dvR3FqZGh6aGlNMGUtcGpwWWtjTjY0S0p3NzNpWVpDZ1N6S3R2VlBTRGVVQnlDUVdVcF9XdkxhS0dUOVhQX29qZVY0SS04d2NxVmZRWDgwVnRIUFhVWm9lS3kzUzc4TG02TmZGU2U1YU5mTFFwSkI4MGM?oc=5) · CUInsight
- 2025-06-19 [RadiFi Credit Union Appoints Bridgett Loafman as CAO to Strengthen Growth and Operational Strategy - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNUGtWWTBnYWdqaWxWSUhVaEtWcmpFNDhTRnlmdHMtaGtFYVF4cU1JNEs2QTFsNThqQkN3aTJmcXcyeGo0TG0xckhybjBkdkd4bXBaZzYtbHF4c2xDbWdaOFBIUVpFVFpIRVVHd21pcWxabngtY2V5OHE5THVqNThTSkhsNXRlcVBTOGgydjk2UnJKU216QVlsNlRwOEtzdHhEQmdyaUEycmdTWENpTkR6NGtWOGJreUtRb1dVSmNXWUhsc29nNTQydTVmNURyWkJwWjZqYXlEUF9nNUZnUTN6Rw?oc=5) · Jacksonville Daily Record
- 2023-11-20 [Edward Charron Obituary - Jacksonville, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxNSGFkeUVNaU5BOUZERkFZZUVTOHFvMVJrQVBaaWU1UHJhcllkY3FCVmRIZXZzanNjdDlhakdOUkxTRXJMazBFVHgwVzZzXzdHOTR3R09PZ2VDS01VYk5Ha0hscHRGaTJGd29nSTZ4eHhOQkt3dXpYenNCdjh3ZkVOSlZGWWVGbWZmX0E?oc=5) · Dignity Memorial
- 2013-10-25 [Passion Pit, Joy Formidable Heading Up New Coastline Festival - Billboard](https://news.google.com/rss/articles/CBMisgFBVV95cUxNT1h5YVpxMFM1WFItenprMjN6aF9TejJ4ZnUyTnk4RDA5UC1EMy1BZ094WkFsV1pJeURzSUhTSEFEMUg5cEVsQV84d1p6bFpmeGQ0RTEyT3Bzd2h4TmlvR0l4QmJHZTU4aHBMY2FIR01HYjg0NlZqQ1pXOEJUcFZNdlkwSXNKMFNfOThONXB5WVdIWVpEaEtMOC1xVnZMSk9XWER2ZlhHUUZrOWpTQ0s1OWd3?oc=5) · Billboard
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2021-12-11 [Law & Disorder: Man arrested in mom's stabbing - The Florida Times-Union](https://news.google.com/rss/articles/CBMirwFBVV95cUxQa3I1U0RrUXNnM21VYWFtdWJDbHJFMWFVZDVlT1BhRjRMM2lSdnB3eGxrMkNzWnMyU2tvWnh0YzY3UUxHU2NHR29mMHpPbnFiQkRLNFR4UnlUUUk4ckxpbHlxbTdyenY1ZDFORjJjdzRZVmlnZi11b3N4cXEzLVFyS3NVaUpIaGRfS2hybkRQbEVkM0pyQ1BtV2dHYUNhaWdybnNiTWxObmlVUmF1Zk1Z?oc=5) · The Florida Times-Union
- 2020-07-13 [Dorothy Robertson Obituary - Jacksonville, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxPS3ZoYW5ZdFZNcGxwdF9MSjMtS25FRjYyZzAzaC1WZHFTZTluNktnV0ZzSFVvWW11MmotR3JXV0hsNklERmhEMXpWclV6Q083ZUozdkhPcjlNdGkwVm45LXo5QTdFUlAyZGxpRUV0Wmh0dFdEaUdPODZyWmY0dEc2VFBVZlZsbi1PQkFQUQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1115 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/27.json (key "1115", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=1115
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide