# COAST-TEL
SALINAS, CA · NCUA charter 13090 · asset band <$50M · latest filing 2018-12 · stopped filing after 2018-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/coast-tel-13090

Who the members are: federal charter, multiple common bond, organized 1959, low-income designated. 3,224 members of 405,000 potential (0.8% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $19.9M |
| Members | 3,224 (0.4% YoY) |
| Full-time staff | 5 |
| Net worth | $1.5M |
| Net worth ratio | 7.7% (p5 of band) |
| ROA (annualized) | 0.55% (p60 of band) |
| Total delinquency | 0.20% (p23 of band) |
| Net charge-offs (annualized) | 0.11% (p35 of band) |
| Loans / shares | 51% (p35 of band) |
| Cash / assets | 9.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.05% (p40 of band) |
| Operating expense / assets | 4.79% (p80 of band) |
| Vehicles % of loans | 75% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.26% (p38 of band) |
| Vehicle NCO | 0.00% (p21 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 12% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 2% |
| Average share balance | $3,325 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $6,729 |
| Loans granted, annualized | $4.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, capital below 7%, auto monoline |  |
| 2016-06 | 2 |  | capital below 7% |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | capital below 7% |  |
| 2017-06 | 2 |  | capital below 7% |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 3 | delinquency rising |  |

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

- 2019-05-02 [Bay Federal Credit Union grows to $1 billion in assets - CUInsight](https://news.google.com/rss/articles/CBMimgFBVV95cUxNX1FjUy1qRTF2aDVLSS0tZUhTbWRjQ3A5OG9UUnJLTjFPdkttcGNPUzc4LWdobE9qZnhRRGlfemZMMmVuNWs4dExVSDVqc1cyNElQbzB2dXNiR0dpS0tadmc5LUpOd0F1cHYtektOV2FwcDNoLXRPWW5sTUg4aDVrUEptZEgteGJoYVpEV1kxQ2dBd1d4UkhNdmlB?oc=5) · CUInsight
- 2018-08-16 [Property owners in Oldtown Salinas take aim at a homeless-serving church. - Monterey County Weekly](https://news.google.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?oc=5) · Monterey County Weekly
- 2016-06-03 [Winning Ways: Honors student wins big scholarship - Salinas Californian](https://news.google.com/rss/articles/CBMisAFBVV95cUxNR0NnT21LUFpjbjh6NU1Wd1NUZHN5R3gzbjR1bDUxYWd2RGhQbHpHU3JTenU5MUY3UVNzaUpUR2FaU2dmM1d5Y1QtU1FrNVlOR2s4N09uNk9veVI3alhLT2o4eW5vdzZmZWJVWGNWY2hpVkRFVXdTTDR3SnFkOTlaemw5QXFJRWM5ZlJySEo4cm9zRjd2U1VRLUpETDB6OEY0bFFmckpBLXR0Q1hzRXNRbg?oc=5) · Salinas Californian

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13090 (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/34.json (key "13090", 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=13090
- 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