# COASTAL
Biloxi, MS · NCUA charter 61717 · asset band <$50M · latest filing 2017-03 · stopped filing after 2017-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/coastal-61717

Who the members are: state charter, organized 1973, low-income designated. 1,350 members of 4,000 potential (33.8% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 90.

**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 | $9.6M |
| Members | 1,350 (4.8% YoY) |
| Full-time staff | 4 |
| Net worth | $1.8M |
| Net worth ratio | 18.5% (p81 of band) |
| ROA (annualized) | 1.12% (p91 of band) |
| Total delinquency | 1.10% (p60 of band) |
| Net charge-offs (annualized) | 0.03% (p47 of band) |
| Loans / shares | 93% (p95 of band) |
| Cash / assets | 16.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.52% (p89 of band) |
| Operating expense / assets | 5.04% (p86 of band) |
| Vehicles % of loans | 66% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.56% (p76 of band) |
| Vehicle NCO | 0.19% (p74 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 3% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 37% |
| Average share balance | $3,597 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 90% |
| Loans granted per 100 members, annualized | 121% |
| Average loan balance | $5,924 |
| Loans granted, annualized | $3.9M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | loans>95% of shares, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | net worth falling | loans>95% of shares |
| 2017-03 | 3 | margin squeeze, delinquency rising | net worth falling |

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

- 2026-08-31 [VolCorp, Veep Announce EWA Agreement With Navigator Credit Union - cutoday.info](https://news.google.com/rss/articles/CBMiogFBVV95cUxOV2ZFS2lRbmlPSEpqVERkZnpqZW1DSHFxZUxvLXFZMlFUenVzWTdSNV9rWENvTTVhdXV5VlhtSURqc3VuR1FEeDltY3VTN1VPcVNMSGVnTWhJM1dmQmtYVWs0ME1VRmlmc05xenk5UnFsWl9nZF9ydG1GdDdkMlZNY3E4c2xmejhyX2NHWjA4Sk9vUFBlMFpwdEcwemRSRGQ3c1E?oc=5) · cutoday.info
- 2026-06-08 [mgk turns Coastal Credit Union Music Park into his own world for the Lost Americana tour - MELODIC Magazine](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOelExTHpVS2lrUE5QYVFZeUxsQUNudzZYSURjWVF5ZkczVkc2dmQ0aV94OG1NT1QxZFJWNFN0RlNGYl9yT0FYRDBmb0JicU91a1paX0RpQ05KOFIwR1VxV2dfM0psZENXeGR1MEJzTTA4eDlPUVVCLTVMRDYxbUlodnVkWDN0a1FoS0VZZ0NDeEQ1REpTNjBDTVBHZjk2SzgwWjlBT09Za3l6dzg3a3ZEWWU1NFpzdmo4TTdqR2c4SkgzeXVjUk9pcGZZX243b1FHbFE?oc=5) · MELODIC Magazine
- 2026-01-27 [Ne-Yo and Akon at Coastal Credit Union Music Park - foxy99.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQeWkxbUd1U0dSa3FhMjVvTUxuNms2dUs2aUctaDZlci1qTjlSSzN6ajN6eF8zR1F0SWNfdmwxMUgwZ3JlZFVOSjJ0V1JsMHZIQlc0XzVmUFlMSllzdUJDRElqc1BoUVpyODJiMzE2LTFLcHl4bVJ2Ujhuc2lpdl9SNw?oc=5) · foxy99.com
- 2026-08-25 [Charley Crockett - The Valley (Live At Farm Aid 2022) Iptv (Z3NXl6IM5a) - Mshale](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9Lb3VMRXJzay1UYjQ0enY1SmpNX3Z2Q3hVc0RfazdSZzN6SEU2VTFQbV9xMkpRb0MwVVpwMHFrbmtob2Q1SnRHRUpuMnctUGM2REY3eHYzMW5YenBqSjFaaA?oc=5) · Mshale
- 2026-03-17 [Lil Wayne Extends 20th Anniversary Tour Celebrating Tha Carter Album Series With 25+ New U.S. Dates - Live Nation Newsroom](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNTjR6OENkNzRhZndNVXpyTV9oLTBOMlVXLW9kTnN3WEhjbnZjYmV0cDRBRWpSWHFCaGhXV0czNTNSRENxajRySHJLTEViYU9yMHU3LXJwVmZ6YVk4S0FBRml4cTN3RjlhVHRybmduRTI0ekNseE5vTDdGTFo1NExhTnI5anNfVEQyYXJHNlB0TXNsak5kaHdDS1ppRGRBSUg2UXhhSm1iYXFtcm5VZ1FtTmR5SzlJSlJmVlBuVDlxOUhrSVdlTWFjdnotN3FZMmJ1?oc=5) · Live Nation Newsroom
- 2026-03-18 [Rap-icon Lil Wayne extends anniversary tour to include Greenville stop - WYFF](https://news.google.com/rss/articles/CBMijwFBVV95cUxPUFI4M3I0LVFCdUFadzdfb2pPQUloQV94eFRrcUlZRUVRMkhVRzBBdVZ0T1pJQy1ONGZvSzhDQjdobWRVWXFwUXdPa05IcGtvWXh4S3NuejJuMzAwd292Y3YyN1hDdGM0VUdFaW5LLXdwX3I3QVRfS1BQeERaNHFDR1I0SlJ3eVdpUnIxdGtKTQ?oc=5) · WYFF
- 2026-02-03 [STAIND announce 'Break the Cycle' 25th anniversary tour with SEETHER - Revolver Magazine](https://news.google.com/rss/articles/CBMipAFBVV95cUxObDY4NzBQN2JTd1FpcjNEUzNXS3N3LXo3VmJfQnB0NTdoS0xwX3JROEFOU01odkZUQ2tVQ19OT05kTDlWYVNpazdrbTVCakxkQXZ2OGo5WE9kcGxXUWxpWUFMdDZoMmNhQzUwNTdfQVpXNFdPdGdBTEh6Tl81ZDg5VDE5QUtIX2JLSnAzQmhQczV2aEx1U25kY3huSjV4V2Y4UnZwZQ?oc=5) · Revolver Magazine
- 2026-03-02 [Ne-Yo & Akon Set April 2026 Kickoff for Global ‘Nights Like This Tour’: See the Dates - That Grape Juice.net](https://news.google.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?oc=5) · That Grape Juice.net

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61717 (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/21.json (key "61717", 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=61717
- 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