# COAST360
Maite, GU · NCUA charter 15222 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/coast360-15222

Who the members are: federal charter, community charter, organized 1962, low-income designated. 49,719 members of 168,000 potential (29.6% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $625.6M |
| Members | 49,719 (10.9% YoY) |
| Full-time staff | 136 |
| Net worth | $75.5M |
| Net worth ratio | 12.1% (p73 of band) |
| ROA (annualized) | 0.75% (p59 of band) |
| Total delinquency | 0.63% (p53 of band) |
| Net charge-offs (annualized) | 0.33% (p42 of band) |
| Loans / shares | 80% (p47 of band) |
| Cash / assets | 8.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.55% (p59 of band) |
| Operating expense / assets | 3.23% (p31 of band) |
| Vehicles % of loans | 18% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 84% |
| Third-party paper % of net worth | 87% (p46 of band) |
| Vehicle delinquency | 0.04% (p1 of band) |
| Vehicle NCO | 0.12% (p6 of band) |
| Repossessed % of vehicle book | 0.23% (p82 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 28% |
| Commercial % of net worth | 73% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 41% |
| Average share balance | $7,213 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $29,758 |
| Loans granted, annualized | $135.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $74,467 sold and retained. Sold in 3 and bought in 0 of the last 8 quarters. Shares 6.8% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 2 | repo signal, members leaving | net worth falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | repo signal |
| 2017-12 | 2 | net worth falling |  |
| 2018-03 | 2 | delinquency 2x band, delinquency rising | members leaving, net worth falling |
| 2018-06 | 2 | loans>95% of shares | delinquency rising |
| 2018-09 | 5 | net worth falling, delinquency rising, members leaving |  |
| 2018-12 | 3 |  | delinquency 2x band, delinquency rising |
| 2019-03 | 2 | delinquency 2x band | net worth falling, members leaving |
| 2019-06 | 4 | repo signal, members leaving |  |
| 2019-09 | 2 |  | repo signal, members leaving |
| 2019-12 | 5 | net worth falling, delinquency rising, repo signal |  |
| 2020-03 | 4 | margin squeeze | loans>95% of shares, delinquency rising |
| 2020-06 | 6 | losing money, charge-offs p90 |  |
| 2020-09 | 4 |  | repo signal, losing money |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | members leaving |  |
| 2021-06 | 4 |  | margin squeeze |
| 2021-09 | 2 |  | delinquency 2x band, net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 0 |  | charge-offs p90, members leaving |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | assets shrinking |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 0 |  | assets shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | net worth falling, losing money |  |
| 2024-06 | 1 | delinquency rising | net worth falling, losing money |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 | net worth falling | delinquency rising |
| 2025-03 | 2 | members leaving |  |
| 2025-06 | 1 |  | members leaving |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | members leaving |  |
| 2026-03 | 0 |  | net worth falling, members leaving |

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

- 2023-07-25 [Coast360 Federal Credit Union donates $25K to American Red Cross - guampdn.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQdk5iTU5OM0phZVlDQmxiR0lZV0JGQVJFWUdwcFNQYjM1aFFUYkxUdzhtX1A5YTAzWXI1ZWRNMjdmWlVBWVQ5QjRqNXFJdkRRYWc3YXNGSDIwYUtySXR5dnJYeWotNndXblpSbElteDlGYXFFMk13RXR6NkFOZ0ZvWDlXclZnZmdHd0lLM3RMSzd0R1hwSTlBYTE2STc0dTBqX2VsZWVDXzFVVlZkcXVJTmxlUHB6QVhSNUNxanZJUU9QUEtnZ2F1V2g4R0YtOVJCVEp2Rk1LUmNFUUE?oc=5) · guampdn.com
- 2020-03-02 [Coast360 Federal Credit Union strives toward sustainability - guampdn.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNeFUyR0c4dGdkeDhkcFpKWmxDQmFVRHZNcVpSUFJ0QVhUOXFKTWw1TkthMTJWSFJlWG1xQ0JnLUxhWDNiZXY2VV96b2lzcjFZRDVISlhVcEpUbmw3N2cxQVM2cjNVQmdDSFdDWWNWeEhNM2g4RVNmbWl3akdIMTE1ejRxTUxJdkdsR0JtTjFvVVdUbDBqTXQ3QjJNVktQTFdvVDlmRU9id28tNTN0VldhRXJsSU1VVWJ1ZGdBT1BMSTVQd1VUZTljX2N6ZnpaalA1U1dhaVBn?oc=5) · guampdn.com
- 2020-02-29 [Sustainability efforts of Coast360 Federal Credit Union - guampdn.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQbTNRZlRRQjFVcFlIbm5jQm5Rb0s1Ql9zMzV4V3RMc2Z0VThTeXUzeTJhSXU1UHRwT2hhZ2xDS3JYR2tQcERkcDg5VXZvYTVzTmJkY3BSVDhmVHF6cVdfN3pvbGg1cXlzcHpZN1Rnd09KdEk0TGFqcV9vUmx2RWc1X2lvRFAwVXViWEtRQ3FUMVRHRzBaSGIyZWlvbzJKcFZIWXRBMWlMcjF3Ynh4UGVSTTZQNW9uMmNTMzlTR01EWnFOcGxUX29LdTdXdGxnbFVHWEN0Si1oQzh0LXc?oc=5) · guampdn.com
- 2026-08-10 [Students' artwork and CHamoru huts on display at Coast360 - guampdn.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNNDlyR21qU2V3YnBVYkh5blJYcEJseXUzTmJJa2wyUG9oY3FfT2hQUFc2YVNjVzFIMHk1ekFheXA0VmlFbzBPaHZQSUpFMktDbDhkaGhKbVpTQzNUdTVfamNENE05YVpmeWpXVGp6aDAzX09uOUE4MHZfYk95bnVDNjNaMEpweGRNTVdKTkthLUZXYk1CalRMcjFld2xodm1yalZGSHR1NW9iMDBBZmE5R0oyR1k1SGtXVndZZEE0SVZ3cnpJQ0E3bHlfY3l0WGwxUHNJNw?oc=5) · guampdn.com
- 2024-01-21 [Coast360’s new Upper Tumon member center opens Monday - guampdn.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxPQzlFTGFkTmhFNjJiV3BqTmFOZWJmN0NtWlB2NlRqY2h4Zldqd0JwMzNxeHRLcVdJZ2xxVlg0djZ3cFo2UkVKZXIyVVJPalotTm94dUxxdFd1R2FXUTdFMnhZRlZxN1pKOVZqTGd2X3ZOaXUtSXM5aTBMdHNfdllVVVRaaFhqREJfcDExQks4NFZKUnZKM1VpdTdndUdGWFZILUNWaWwzd29YMmtMSE84NF9hSkJ2dzk4bW5GbHpRWjZ3VGtiNjhUVUtKTG8?oc=5) · guampdn.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15222 (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/54.json (key "15222", 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=15222
- 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