# COASTAL COMMUNITY
Galveston, TX · NCUA charter 11927 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/coastal-community-11927

Who the members are: federal charter, community charter, organized 1957, low-income designated. 11,008 members of 347,639 potential (3.2% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *stressed*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $96.0M |
| Members | 11,008 (-4.1% YoY) |
| Full-time staff | 34 |
| Net worth | $9.6M |
| Net worth ratio | 10.0% (p20 of band) |
| ROA (annualized) | -0.71% (p4 of band) |
| Total delinquency | 1.84% (p92 of band) |
| Net charge-offs (annualized) | 1.37% (p94 of band) |
| Loans / shares | 56% (p42 of band) |
| Cash / assets | 42.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.72% (p53 of band) |
| Operating expense / assets | 5.60% (p93 of band) |
| Vehicles % of loans | 49% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.16% (p74 of band) |
| Vehicle NCO | 1.44% (p90 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 24% |
| Average share balance | $4,770 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $10,324 |
| Loans granted, annualized | $4.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | repo signal |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency 2x band, delinquency rising | repo signal |
| 2017-06 | 4 | repo signal |  |
| 2017-09 | 3 |  | thin capital |
| 2017-12 | 2 | thin capital | delinquency 2x band, delinquency rising |
| 2018-03 | 3 | net worth falling, delinquency 2x band | repo signal |
| 2018-06 | 3 | delinquency rising | net worth falling |
| 2018-09 | 2 |  | thin capital |
| 2018-12 | 2 |  |  |
| 2019-03 | 6 | thin capital, net worth falling, losing money, expense trap, charge-offs p90 | delinquency rising |
| 2019-06 | 5 | assets shrinking | net worth falling, expense trap |
| 2019-09 | 7 | repo signal, loan book shrinking |  |
| 2019-12 | 9 | net worth falling, expense trap |  |
| 2020-03 | 7 | delinquency rising | losing money, net worth falling, expense trap |
| 2020-06 | 5 | margin squeeze | assets shrinking, repo signal, delinquency rising |
| 2020-09 | 6 | net worth falling |  |
| 2020-12 | 6 |  |  |
| 2021-03 | 2 |  | delinquency 2x band, charge-offs p90, loan book shrinking, margin squeeze |
| 2021-06 | 4 | expense trap, delinquency 2x band, members leaving | net worth falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 | charge-offs p90 | expense trap, delinquency 2x band |
| 2022-06 | 4 | net worth falling, expense trap | members leaving |
| 2022-09 | 3 |  | net worth falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | repo signal, assets shrinking | thin capital |
| 2023-06 | 5 | members leaving |  |
| 2023-09 | 5 | delinquency rising | members leaving |
| 2023-12 | 4 |  | assets shrinking |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | charge-offs p90 |
| 2024-09 | 4 | charge-offs p90, members leaving | delinquency rising |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | charge-offs p90 |
| 2025-06 | 4 | delinquency 2x band, charge-offs p90 | expense trap |
| 2025-09 | 5 | expense trap, delinquency rising | repo signal |
| 2025-12 | 6 | net worth falling, repo signal | expense trap |
| 2026-03 | 9 | losing money, expense trap, margin squeeze, loan book shrinking | repo signal |

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

- 2025-12-23 [Coastal Community Federal Credit Union names CEO - The Daily News | Texas' Oldest Newspaper](https://news.google.com/rss/articles/CBMixwFBVV95cUxQcWNnVUlpNFRjcUJZMG9adU5lYUFoQ21KMkNwWkxTVVI2NFBaYjA5WVg1YVZZOFcwaXRNRmVjek1wclc2ZEdZRHdnZUFBcnY1X0ZlWWpsSUtMR2VZV2dzOTZpdVUtMS1TUFZuUWpUYlFEeHB1ejhtV1ZtUk1ZZ1p3dENQcHgySEIzZUstRW9pWGVQUHFfam5pVXh5YkxkRDFuX0ZuWU1DRWRZeXlxaVRQMXE4RjJBQnEtUWlKX0R2SGNyUnBnOGtF?oc=5) · The Daily News | Texas' Oldest Newspaper
- 2021-05-07 [Coastal Community And Teachers Credit Union rebrands, opens new branches - Corpus Christi Caller-Times](https://news.google.com/rss/articles/CBMizwFBVV95cUxNYlQ4Q21OOGpiSnlXZEk1LUF3VnhaeTQyamRJSHlscVVzSndyU2U4c2k5SHhlMC0xV1pMQ002eUpSSmc2elZoelFVSmRERGh3Y1ByWFhiVDc4am1Wd3dTN2xBQzVpWWwxVlhkQmNuT3ozXzlPd1V1bW1sNGl1SjNibzdLdDdNNkp3NjdWNGdNakdkTy1GVF9Yc3ZOMmRSb1ZtNXEtemJKbUF6aW5aSXdwa1lZZE9OM1lrWjFwakpwMVNpZG95akZ2QUlJSFpSRDQ?oc=5) · Corpus Christi Caller-Times
- 2025-07-01 [Coastal Community Federal Credit Union names interim CEO and president - The Daily News | Texas' Oldest Newspaper](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPQlNRYl9SSEg4TlE3a3pIS2dDWkZOSFhCNktxZER4R2JmWjBGcXBBTVhsa3FZOTlGYWVpNldCanFUN0p5NnlBQmhxZzJDUUQ4empJSm5SOXF2blExb2g1QVUyUFUycHpTbHI5UDB6aUQyRDJLNnNZWTBqbFZ0UVBUTzZUb2JUQmNnamxibHpGU0dkV2theWk5TVFxTlY3VFBmUVBWQ01rR0JRRHU3emdPVFJ0Mm1MVl9kLVpTSS0zS0VQWGd6SXhnZTRLY3J1M2FGZHVtM21mVGtuRXlkREZNM05DYTA?oc=5) · The Daily News | Texas' Oldest Newspaper
- 2024-12-31 [Banks for Immigrants and US Non-Citizens: A Comprehensive Guide - Business Insider](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPN3RBb1NXSm5seGNfVk4wZlNKRXJad3IwQ25GTUVRdjhlSkw5THZmQ1VQUFM0TzJ0WkFWLVBqcEZLcUI3OXR2VjczeFhfaXVHNEI3c0xPVmgzb1hnMTcwaVV5dVRUenF6cS1NZWZUS2dvQ1VFZDM4RFF5NGhkU3YzSWtOYnlRWWVhOHlpUEtPRUN4aVFXTWVobmNyeDZ3SlVRRm5JTW1rcXNna0E?oc=5) · Business Insider
- 2025-04-11 [Seaside Scenes: Coastal credit union celebrates giving back to community at annual meeting - The Daily News | Texas' Oldest Newspaper](https://news.google.com/rss/articles/CBMihAJBVV95cUxOQ0g3bi1zcDJxX1ItRW9wcTJjbHRUWjY5N3pQRklCYUZFZjdFNnpFOG9QdmRBeHB1dDBKODRxWFJHTVo4UWRjUDFnUlZIektoLUtnRkljemt6X3FrX3N0RG9xeHd3QmY0ZDJpUldoaFVRTVYyQUs4bGRoWmtPZkFiUGxOVGxBNGlrcXZ3a3ZQS1YyMFN3XzR3dk5RQ1BGUzAyVXhCeXUwX1FaOEpyTU40UGVvcXN1Uk5rUGt0bG1ndVBYZGYzTWgxVVN2WWtHSkl3R1UxMkNFV21jZXVETUZxeUdSYjZjWkdkMnUwd1N3bGw1azhjOV82Y01uLUxseTJsTmE3Tg?oc=5) · The Daily News | Texas' Oldest Newspaper
- 2010-02-18 [Lake Charles couple accused of Texas bank robbery - kplctv.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQWmtxcVVSTGlxbHE5WFJFRW9BNVBiZThZUTRtRncwUnBTYkxOSVhDSXZNckE0SkwzR1FVT1d5aFlud2hkMWJtSjh0YXRvWUdBV1BHN3N0c3Y2S2dJaVBnQTJJbWdja1IxTVRvZGRSYjRYMWZHNnRHN0YzNDlOcXduNzZkMUdkY01tSnZscW1QUnNrQdIBpAFBVV95cUxPNmY4SVBCUEhnTjJhemtkMEd5cy1UNGh5SGhGMWIweXhRNEJwOTdBQ3NrdEVvZmp5Zm9DTGpZSjcwUlBJLWM3YzNsYVBKWG5JVzZrSWVBUkV6Nml1eU5RN2czNnFXTDk1QXlJV1lxOHFyT19JOXh0dzNkc1kxV3c2TzNpa0Q2d3FVR2RkT05IWlRUU3BXTTdlTUpkd1h1YnQwbTRtTA?oc=5) · kplctv.com
- 2021-10-06 [Eduardo Torres Obituary (1942 - 2017) - Corpus Christi, TX - Corpus-Christi Caller-Times - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxQMlNud1VjU2F6cnRmajd3LTBBdEg5WFRvYVVHNFdBOElrZjR3ZDVWMlpRMDZnSnpHS3g4R0paNFdIdjFucXNLWG1SeGV1WTlWOGdYeUNEdWNGV2pQNmd6d2h2LUxDeFRRamlNVmVYV1BFTHdvYlNGNzZ4R3U2ak1OczRIbzk1bERzWC1NRg?oc=5) · Legacy obituary
- 2023-03-04 [The Community Responder: Carol Gaylord - The Daily News | Texas' Oldest Newspaper](https://news.google.com/rss/articles/CBMixwFBVV95cUxNRC1GY0owOGx4bnBpdWdRaVN6SHJ0ZnpjTkpXakxGQzJ3aFdhY3c1WUVrMWkzZFIxcHB6c3BDYjNEZGUtQ19uVjZnNlpBNFl2YVpfbERCa1RHcGNYb3NyVC01RER1ZlMxY0g0M2Z1dWZ0ZUczbnNpRTZFRy1Va2NxbmFyYkZXTGJ6ZE00aWZrVjI1UW9hZE9oaGx3c2ZhS0d5elFDX0owVzBJVTNhYmpPTHZ3S3JoTEZyMkwtWjVnOVI0ZGExTVM0?oc=5) · The Daily News | Texas' Oldest Newspaper

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11927 (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/23.json (key "11927", 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=11927
- 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