PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Coast360

Maite, GU · Charter 15222

NCUA · 3 branches

Q2 2026

$633.0MAssets
$436.6MLoans
$553.5MShares
$76.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.76%, up 4 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.81% of loans (+27 bps YoY).
  • Capital: net worth / assets of 12.12%, down 27 bps from a year ago.
  • Funding: loans stand at 78.89% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.76%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+10 bps YoY

Efficiency Ratio (YTD, annualized)

75.34%-347 bps YoY

Net Worth / Assets

12.12%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.70%0.55%0.75%0.76%+4 bps
Return on Equity5.81%5.67%4.54%6.18%6.27%+46 bps
Net Interest Margin3.49%3.44%3.44%3.55%3.59%+10 bps
Efficiency Ratio78.81%79.09%80.65%75.43%75.34%-347 bps
Growth
Asset Growth (YoY)8.44%9.86%9.19%6.70%6.38%-206 bps
Loan Growth (YoY)7.14%7.50%7.50%7.45%3.83%-331 bps
Share Growth (YoY)10.17%12.40%9.28%6.80%5.72%-445 bps
Asset Quality
Delinquent Loans / Loans0.54%0.61%0.82%0.63%0.81%+27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.39%12.26%12.01%12.07%12.12%-27 bps
Net Worth / Assets12.39%12.26%12.01%12.07%12.12%-27 bps
Liquidity & Funding
Loans / Shares80.33%79.46%80.11%80.05%78.89%-144 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps