Coastal Federal Credit Union Raleigh, North Carolina
Coastal Federal Credit Union is a federal credit union headquartered in Raleigh, NC, established in 1967 (NCUA charter 18297), and it is regulated and insured by the NCUA. At Q2 2026 it reported 347,915 members and total assets of $6.23B (up 7.8% from Q2 2025), the 2nd largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 9.86% at Q2 2026, in the well capitalized band.
Also written as Coastal FCU · Trade names filed with the NCUA: United Members Title, Daymark Realty, Coastal Wealth Management, Coastal Credit Union, Coastal Title and Coastal Foundation
BankRegReports is independent of Coastal Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 18297
- Headquarters
- Raleigh, NC
- Established
- 1967
- Total assets, Q2 2026
- $6.23B
- Assets vs Q2 2025
- +7.8%
- Members, Q2 2026
- 347,915
- Net worth ratio, Q2 2026
- 9.86%
- Latest call report
- Q2 2026, NCUA 5300 · Coastal Federal Credit Union call report
- Asset rank in state
- 2nd of 56 in North Carolina
- Routing number
- 253175494
- Branches
- 21
It has 5,971 more members than on June 30, 2025 (+1.7%). Its net worth ratio was up 0.09 percentage points from 9.77% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.14B of $4.34B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.66% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.86% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in North Carolina
Credit unions merged into Coastal Federal Credit Union
Freedom Federal Credit Union (2016)
Frequently asked about Coastal Federal Credit Union
How big is Coastal Federal Credit Union?
At Q2 2026 it reported total assets of $6.23B and 347,915 members.
Where is Coastal Federal Credit Union headquartered?
It is headquartered in Raleigh, NC, United States.
When was Coastal Federal Credit Union founded?
It was established in 1967, per NCUA records.
Is Coastal Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 18297): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Coastal Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Coastal Federal Credit Union well capitalized?
Its net worth ratio was 9.86% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Coastal Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.66% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Coastal Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 80.92% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Raleigh, NC 27609
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1967
- NCUA Charter #
- 18297
- RSSD ID
- 398583
- Members
- 347,915
- Potential members
- 2,840,471
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.86% | 10.89% | 26th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.08% | 0.89% | 63rd above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 10.92% | 8.07% | 75th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.14% | 3.45% | 31st below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 60.40% | 70.59% | 81st top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.28% | 1.68% | 13th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.66% | 0.68% | 52nd above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.42% | 5.12% | 72nd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 80.92% | 88.03% | 32nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.23B total assets against $5.78B; $5.36B total shares and deposits against $4.96B; $4.34B total loans against $4.17B.
$614.2M net worth against $565.1M.
9.86% net worth ratio against 9.77%.
80.92% loan-to-share ratio against 84.21%.
0.66% delinquency ratio against 0.81%.
1.08% return on assets against 1.06%; 10.92% return on equity against 10.81%.
3.14% net interest margin against 3.22%.
347,915 members against 341,944.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.86% | 1.08% | 0.66% | 80.92% |
| March 31, 2026 | 9.62% | 0.64% | 0.75% | 78.97% |
| December 31, 2025 | 9.74% | 0.61% | 0.78% | 81.32% |
| September 30, 2025 | 9.98% | 1.15% | 0.66% | 84.52% |
| June 30, 2025 | 9.77% | 1.06% | 0.81% | 84.21% |
| March 31, 2025 | 9.60% | 0.65% | 0.64% | 82.99% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.