TellerScore

Coastal Community Federal Credit Union is a federal credit union headquartered in Galveston, Texas, in business for about 69 years. At the end of Q2 2026 it reported $93.3M in total assets and $83.5M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Coastal Community Federal Credit Union scores 39/100, which we describe as low. That is higher than only 3% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 372nd. Its strongest component is funding & liquidity (100/100; 55% loans-to-deposits, 3% uninsured), and its lowest is earnings (0/100; -1.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.95%
Loan quality7/100
Loans 60+ days delinquent ÷ total loans: 2.79%
Earnings0/100
Return on assets (annualized): -1.01%
Funding & liquidity100/100
Loans ÷ shares: 55.4% · 3.1% uninsured
Problem-loan coverage72/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.93%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 23 points (62 → 39), mostly because the loan quality component weakened by 50 points.

TellerScore
395673Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202472
Q4 202473
Q1 202564
Q2 202562
Q3 202550
Q4 202555
Q1 202648
Q2 202639
Net worth ratio
7.00%8.63%10.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.50%
Q3 202410.03%
Q4 202410.23%
Q1 202510.06%
Q2 202510.25%
Q3 202510.13%
Q4 202510.00%
Q1 20269.98%
Q2 20269.95%
Delinquent loans (60+ days)
0.51%1.65%2.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.05%
Q3 20240.51%
Q4 20240.53%
Q1 20250.89%
Q2 20251.28%
Q3 20252.28%
Q4 20251.70%
Q1 20261.84%
Q2 20262.79%
Return on assets
-1.01%0.15%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.25%
Q3 20241.16%
Q4 20241.31%
Q1 20250.50%
Q2 20250.68%
Q3 20250.28%
Q4 20250.27%
Q1 2026-0.71%
Q2 2026-1.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202639$93.3M9.95%2.79%-1.01%55.4%
Q1 202648$96.0M9.98%1.84%-0.71%55.9%
Q4 202555$97.6M10.00%1.70%0.27%58.6%
Q3 202550$97.1M10.13%2.28%0.28%60.4%
Q2 202562$97.3M10.25%1.28%0.68%62.9%
Q1 202564$97.0M10.06%0.89%0.50%63.6%
Q4 202473$94.2M10.23%0.53%1.31%67.8%
Q3 202472$93.3M10.03%0.51%1.16%66.2%
Q2 202467$96.5M9.50%1.05%1.25%64.1%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.95%
16th
Problem loans2.79%
14th
Net charge-offs1.69%
7th
Return on assets-1.01%
7th
Loans to deposits55.4%
55th
Uninsured deposits3.1%
35th
Loan-loss reserves0.00%
37th
Texas ratio13.9%
8th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Cooperative TeachersCredit union Tyler, TX30 out of 100, Low$93.8M7.9%4.31%vs
Baycel Federal Credit UnionCredit union Bay City, TX91 out of 100, Very strong$92.2M21.8%1.01%vs
Wellspring Federal Credit UnionCredit union Bridge City, TX61 out of 100, Moderate$91.8M8.9%0.71%vs
Southland Federal Credit UnionCredit union Lufkin, TX85 out of 100, Very strong$89.2M14.4%0.62%vs
Westex Federal Credit UnionCredit union Lubbock, TX52 out of 100, Below average$88.9M9.3%1.84%vs
Edinburg Teachers Credit UnionCredit union Edinburg, TX85 out of 100, Very strong$98.0M22.6%0.12%vs

Deposit insurance

Is my money safe at Coastal Community Federal Credit Union?

Yes. Coastal Community Federal Credit Union is a federally insured credit union (NCUA charter #11927). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.1% of shares and deposits ($2.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.95%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Coastal Community Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Coastal Community Federal Credit Union
Type
Federal credit union
NCUA charter #
11927
RSSD ID
240981
Primary regulator
NCUA
Established
1957
Headquarters
2302 Church Street, Galveston, TX 77550
Employees
35

Quick answers

Coastal Community Federal Credit Union: common questions

Is Coastal Community Federal Credit Union NCUA insured?

Yes. Coastal Community Federal Credit Union is a federally insured credit union (NCUA charter #11927). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Coastal Community Federal Credit Union's TellerScore?

39 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Coastal Community Federal Credit Union have?

3 offices as of the latest NCUA data.