PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Coastal1

Pawtucket, RI · Charter 67278

NCUA · 19 branches

Q2 2026

$3.5BAssets
$3.0BLoans
$2.7BShares
$371.2MNet 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 0.73%, up 27 bps year over year; NIM at 2.08%.
  • Asset quality: problem loans at 0.22% of loans (-8 bps YoY).
  • Capital: net worth / assets of 10.63%, up 34 bps from a year ago.
  • Funding: loans stand at 108.53% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%+27 bps YoY

Net Interest Margin (YTD, annualized)

2.08%+30 bps YoY

Efficiency Ratio (YTD, annualized)

69.01%-811 bps YoY

Net Worth / Assets

10.63%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.50%0.52%0.48%0.73%+27 bps
Return on Equity4.42%4.81%4.97%4.58%6.86%+244 bps
Net Interest Margin1.78%1.82%1.87%2.03%2.08%+30 bps
Efficiency Ratio77.12%75.42%73.97%75.95%69.01%-811 bps
Growth
Asset Growth (YoY)2.35%1.87%2.30%2.45%2.70%+35 bps
Loan Growth (YoY)0.08%1.05%0.19%-0.42%1.30%+122 bps
Share Growth (YoY)5.82%4.65%4.21%4.38%3.97%-185 bps
Asset Quality
Delinquent Loans / Loans0.29%0.25%0.35%0.17%0.22%-8 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 Capital10.30%10.40%10.48%10.45%10.63%+34 bps
Net Worth / Assets10.30%10.40%10.48%10.45%10.63%+34 bps
Liquidity & Funding
Loans / Shares111.38%110.74%109.08%107.29%108.53%-285 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps