# COASTAL
Raleigh, NC · NCUA charter 18297 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/coastal-18297

Who the members are: federal charter, multiple common bond, organized 1967, low-income designated. 345,251 members of 2,687,903 potential (12.8% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.21B |
| Members | 345,251 (1.8% YoY) |
| Full-time staff | 598 |
| Net worth | $597.4M |
| Net worth ratio | 9.6% (p24 of band) |
| ROA (annualized) | 0.64% (p44 of band) |
| Total delinquency | 0.75% (p64 of band) |
| Net charge-offs (annualized) | 0.91% (p81 of band) |
| Loans / shares | 79% (p29 of band) |
| Cash / assets | 13.8% |
| Borrowings / assets | 3.70% |
| Net interest margin | 3.08% (p36 of band) |
| Operating expense / assets | 2.62% (p21 of band) |
| Vehicles % of loans | 42% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 87% |
| Third-party paper % of net worth | 259% (p78 of band) |
| Vehicle delinquency | 0.65% (p56 of band) |
| Vehicle NCO | 2.32% (p90 of band) |
| Repossessed % of vehicle book | 0.03% (p34 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 30% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 33% |
| Average share balance | $7,971 |
| Participations bought / yr | $0 |
| Participations sold / yr | $11.8M |
| Participations outstanding | $7.0M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $27,249 |
| Loans granted, annualized | $2.33B |

## Participation posture (from the same filings)

Bought $0 and sold $11.8M in the latest annualized quarter; $7.0M outstanding purchased (1.2% of net worth), $70.7M sold and retained. Sold in 6 and bought in 0 of the last 8 quarters. Shares 9.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | net worth falling |  |
| 2017-03 | 2 |  | loans>95% of shares, leaning on borrowings |
| 2017-06 | 2 | loans>95% of shares | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | net worth falling |  |
| 2019-06 | 4 | delinquency 2x band, delinquency rising | net worth falling |
| 2019-09 | 4 |  |  |
| 2019-12 | 3 |  | delinquency 2x band |
| 2020-03 | 5 | net worth falling, losing money, charge-offs p90 | loans>95% of shares |
| 2020-06 | 3 |  | delinquency rising, charge-offs p90 |
| 2020-09 | 3 | margin squeeze, charge-offs p90 | net worth falling, losing money |
| 2020-12 | 2 |  | charge-offs p90 |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | losing money |  |
| 2022-06 | 3 | net worth falling |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 2 | loans>95% of shares | losing money |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 4 | net worth falling |  |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 2 |  | loans>95% of shares |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-09-08 [54 Credit Union Leaders Earn CUDE Designation - cutoday.info](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZVpnbEstUFVkSDRERlRkaWlLX240b3pWSm1DMTN4VW83REFRZzFMU2w5eDcxSGVhRVdnSlk1c3pMcmJtWk5OeUVvb0tLMWVoT3FRNElON1pPM21aZGR0eEI0SWhUY0wtN0lSSDFsSmJBcDQxenBmZFJSbzhNT2tmTFdZTXphWUZtN0E?oc=5) · cutoday.info
- 2026-04-30 [Coastal Credit Union promotes Jennifer Gallagher to VP, Support Services & Branch Expansion - CUInsight](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPRnNQMGwxdnJlemdybEQyLVpZWlhSUnZNd0FtWWdHUDZ3RFJqbkNCNTJzZURaV0pMZlhtekhBUHR4NmlKTlJQV2czYnhHMnF0MXk0TFZueWgtX2F5MktfVmZSMnBmRUptTm9kMVVYRHlBY3BGQ1RIVS0wQUdOWWJBS21xZlVCOVFTTUVkN25vQXJnTjZCQTRTYS1LQm9WUlhfQnhkWnpQY25DdmlzYkU1Wm1GUDh5dDkxQndnR3RZd3dyNUlpTkp1RQ?oc=5) · CUInsight
- 2026-01-21 [Bank submits plans for location alongside Leland neighborhood - Wilmington Star-News](https://news.google.com/rss/articles/CBMivAFBVV95cUxPTEowUEtxdGRyeHNGSGd3cThYc3hNb2ttT3RuM0hZbzV4NHZfSmhHc2NpS01vMk5Ub3p2aE5jMG10b292SWpUZmsxekJkcDdtZDhSVFM2OGdJZlppWGUxOFZISXhFWGFnN0JiUWNTYmM5Um1aT0VwNDR2eWU5NGRjemQ1WlJGZXlQMm1hcDEzaFhnaXhUWGctbEZoT2gtSGszNzVpUXRHQVphMDRHWnZDa3p6aDhGUlNGd0NRSQ?oc=5) · Wilmington Star-News
- 2026-04-29 [Who’s playing at Music Park at Walnut Creek in 2026? See concert lineup so far - Raleigh News & Observer](https://news.google.com/rss/articles/CBMickFVX3lxTE1kcV9jY01Yd0g2UUhKT2RWTXc1NmdOSDdaVHEySG1mc2padVJOWWd1SXRhZnR3aGpzc1FEZTlMRWJFTG1JOTJQQWl5bUdLTnJkUjRaNkNrTk94R0pFaDM1clg5bFVMNGYwSjJzb2tvUUxoZw?oc=5) · Raleigh News & Observer
- 2026-01-07 [Coastal Credit Union Music Park to begin charging for parking in 2026 - WUNC News](https://news.google.com/rss/articles/CBMilgFBVV95cUxOZ1N0YUc2bjZXcTdXcWhBREhTcEVzSklLZ2tpbFQyaWFvZ3BZTFBWTFc5VHp3ZDNtQ2d6c3BxU1c2N0FJbjdMQzNXZGJHTDJyWlZMX2VOVG9PcGF0eVViWHlaWTB2NkM1UG1rbU1TeTlXZUhBdlA4d3BTRDFIT1R4VG9jRW5NQ1c5ajRqMmI5T0FFNTVhbWc?oc=5) · WUNC News
- 2026-07-18 [Phish Deliver a Four-Song Second Set and Four-Song Encore in Raleigh, Relaunch '90s Newsletter - Relix](https://news.google.com/rss/articles/CBMivwFBVV95cUxQQ3QyZ2kxWkFfeDBGU2RYcjVNdlptMXBtbjVNTFA5S0ZzWmFCWmJ4SjA4VGI2eWlhQ3F4MnVkM280TFVQVnB6cmJ6dnpqSWgzUlMxY0U4VnozZUpENDZXbHd1elViMmNLWnQzRGVGR1dkQ2RsM2lLNWZpMTRUVUVNUjlOR0tOQXFMUGRNVm9DN0xDbFB3SEt3amVybW5LcXF0eWVoRFg2cnRCXzczelJodnJvVUJqVnowR3Q5Z29jOA?oc=5) · Relix
- 2026-01-21 [Coastal Credit Union Music Park looking to hire summer workers - CBS 17](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdnpwQXkxVzRkUDlvSk1lNGt1VWpyM19rdWRMVW5lbFJOajFKalBEb1p3bkZuY08teGtKS3FCSVg4U0ROVHctbGd1dE9wbUZON3ZoamduUjkzQUNYNlRUVk9sMEhzMUg2SU5IdFNLbnZCOTRGMGNJWURHUVBFa0Jvc1l0TmdsWUs4WHRUZ0Q0YWVma3FiNnpUa2JaUdIBoAFBVV95cUxPREJNdmc2V2RhRktGbnBQWnU5Q2E4WUk4OEZTVVNBXzRDdkxTNmgySDE1Q3FHQTJkVWZPelhfTG9GbnhNMGZUSnBFOVNQaVUwbDltWm5vQUZfSzZzV0FENHZIMmRCYXJCOTJlNGg0bFBlWC1zTXVTMzA3VjBzODIwTm5Hc0NjbmdYVUozTlBzYXJSejh2T05sVkJ5aUVhVFZj?oc=5) · CBS 17
- 2026-09-01 [Bryson Tiller Setlist: What to Expect on the 2026 Neo Trapsoul Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBuNWh1Z2U2QXBkME12V2s2OU9PNGx1c1IzZzlWUTk3dkVxdDlrYkEtV0IyTGhXYWhWRUh2SnFPampESFZBakwycl85d284TXBkc3dNbTd4aVBHZWZwdXNQMEFB?oc=5) · Ticketmaster Blog

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18297 (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/57.json (key "18297", 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=18297
- 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