Credit Union Safety Analysis
Is Coastal Community Federal Credit Union Safe? Galveston, Texas
Based on its Q2 2026 NCUA 5300 call report, Coastal Community Federal Credit Union has a net worth ratio of 9.95%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.79%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Coastal Community Federal Credit Union's net worth ratio is 9.95%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.95%
- Delinquency ratio (60+ days) (Q2 2026): 2.79%
- Return on assets (Q2 2026): -1.29%
- Loan-to-share ratio (Q2 2026): 55.42%
Coastal Community Federal Credit Union (NCUA charter 11927, established 1957) reported $93.3M in assets and 10,930 members for Q2 2026 from Galveston, Texas. It ranks 148 of 377 credit unions in Texas by total assets. Total assets fell 4.1% from $97.3M on June 30, 2025. It has 385 fewer members than on June 30, 2025 (-3.4%). Its net worth ratio was down 0.30 percentage points from 10.25% on June 30, 2025. Used vehicle loans are its largest loan category, $14.7M of $46.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.79% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 9.98% for Q1 2026; 10.25% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.84% for Q1 2026; 1.28% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.71% for Q1 2026; 0.86% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 55.95% for Q1 2026; 62.93% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $14.7M
- 1- to 4-family residential and other consumer real estate loans: $14.0M
- New vehicle loans: $8.0M
- Other unsecured loans and lines of credit: $5.4M
- Unsecured credit card loans: $2.2M
- Other secured non-real estate loans and lines of credit: $2.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $93.3M | 9.95% | 2.79% | -1.29% | 55.42% |
| March 31, 2026 | $96.0M | 9.98% | 1.84% | -0.71% | 55.95% |
| December 31, 2025 | $97.6M | 10.00% | 1.70% | 0.27% | 58.57% |
| September 30, 2025 | $97.1M | 10.13% | 2.28% | -0.53% | 60.45% |
| June 30, 2025 | $97.3M | 10.25% | 1.28% | 0.86% | 62.93% |
| March 31, 2025 | $97.0M | 10.06% | 0.89% | 0.50% | 63.56% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Coastal Community Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 11927) · FFIEC NIC profile (RSSD 240981)
Frequently asked questions
Is Coastal Community Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Coastal Community Federal Credit Union's net worth ratio is 9.95%, above the 7% NCUA threshold for well capitalized.
Is Coastal Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Coastal Community Federal Credit Union is a federally insured credit union (NCUA charter 11927): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Coastal Community Federal Credit Union's key safety ratios?
For Q2 2026, Coastal Community Federal Credit Union reports net worth 9.95%, delinquency 2.79%, ROA -1.29%, loan-to-share 55.42%.
What happens to my money if Coastal Community Federal Credit Union fails?
For Q2 2026, Coastal Community Federal Credit Union held $83.5M in shares and deposits for 10,930 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.