Coastal1
Pawtucket, RI · Charter 67278 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 19 branches
Q2 2026
$3.5BAssets
$3.0BLoans
$2.7BShares
$371.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 94% of credit unions $1B-$10B in assets (rank 25 of 435).
- Widest gap: net interest margin trails 97% of credit unions $1B-$10B in assets (rank 424 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.73%
Rank 257 of 435
Net Interest Margin
2.08%
Rank 424 of 435
Efficiency Ratio
69.01%
Rank 178 of 435
Equity / Assets
10.63%
Rank 241 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.55% | 0.81% | 1.14% | Beats 41% | 257 / 435 | |
| Return on Equity | 6.86% | 5.12% | 7.41% | 9.70% | Beats 44% | 245 / 435 | |
| Net Interest Margin | 2.08% | 3.01% | 3.39% | 3.75% | Beats 3% | 424 / 435 | |
| Efficiency Ratio | 69.01% | 65.25% | 71.39% | 77.86% | Beats 59% | 178 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.45% | 0.69% | 1.05% | Beats 94% | 25 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.63% | 9.81% | 10.84% | 12.63% | Beats 45% | 241 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.63% | 9.81% | 10.84% | 12.63% | Beats 45% | 241 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 108.53% | 78.33% | 88.38% | 95.61% | 97th pctl | 12 / 435 | |
| Loans / Assets | 85.04% | 67.69% | 74.58% | 80.80% | 90th pctl | 43 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |