Coastlife Credit Union Corpus Christi, Texas
Coastlife Credit Union is a state-chartered credit union headquartered in Corpus Christi, TX (NCUA charter 68482), and it is regulated and insured by the NCUA. At Q2 2026 it reported 34,514 members and total assets of $519.7M (up 1.5% from Q2 2025), the 62nd largest of 377 credit unions headquartered in Texas. Its net worth ratio was 11.66% at Q2 2026, in the well capitalized band.
Also written as Coastlife CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68482
- Headquarters
- Corpus Christi, TX
- Established
- Not reported
- Total assets, Q2 2026
- $519.7M
- Assets vs Q2 2025
- +1.5%
- Members, Q2 2026
- 34,514
- Net worth ratio, Q2 2026
- 11.66%
- Latest call report
- Q2 2026, NCUA 5300 · Coastlife Credit Union call report
- Asset rank in state
- 62nd of 377 in Texas
- Routing number
- 314978417
- Branches
- 9
It has 1,293 fewer members than on June 30, 2025 (-3.6%). Its net worth ratio was up 0.02 percentage points from 11.64% on June 30, 2025. Used vehicle loans are its largest loan category, $127.0M of $335.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.89% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.66% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Texas
Credit unions merged into Coastlife Credit Union
Third Coast Federal Credit Union (2021) · Kingsville Area Educators Federal Credit Union (2019) · I B E W L U 278 Federal Credit Union (2018)
Frequently asked about Coastlife Credit Union
How big is Coastlife Credit Union?
At Q2 2026 it reported total assets of $519.7M and 34,514 members.
Where is Coastlife Credit Union headquartered?
It is headquartered in Corpus Christi, TX, United States.
Is Coastlife Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68482): 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 Coastlife Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Coastlife Credit Union well capitalized?
Its net worth ratio was 11.66% 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 Coastlife Credit Union's delinquency ratio?
Its delinquency ratio was 0.89% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Coastlife Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 73.20% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Corpus Christi, TX 78414
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 68482
- RSSD ID
- 620994
- Members
- 34,514
- Potential members
- 529,578
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 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 13.58% | 11.66% | 11.43% | 53rd above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.43% | 0.81% | 25th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 3.72% | 7.02% | 24th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.35% | 3.70% | 29th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 75.35% | 76.55% | 54th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.48% | 1.24% | 31st below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.89% | 0.68% | 38th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.83% | 4.92% | 45th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 73.20% | 75.66% | 45th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$519.7M total assets against $512.2M; $458.9M total shares and deposits against $456.8M; $335.9M total loans against $326.0M.
$60.6M net worth against $59.8M.
11.66% net worth ratio against 11.64%.
73.20% loan-to-share ratio against 71.36%.
0.89% delinquency ratio against 1.61%.
0.43% return on assets against 0.35%; 3.72% return on equity against 3.02%.
3.35% net interest margin against 3.17%.
34,514 members against 35,807.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.66% | 0.43% | 0.89% | 73.20% |
| March 31, 2026 | 11.60% | 0.43% | 0.99% | 75.75% |
| December 31, 2025 | 11.53% | 0.33% | 1.37% | 74.33% |
| September 30, 2025 | 11.85% | 0.48% | 1.51% | 76.27% |
| June 30, 2025 | 11.64% | 0.35% | 1.61% | 71.36% |
| March 31, 2025 | 11.55% | -0.31% | 1.65% | 69.61% |
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.