TellerScore

Coastal1 Credit Union (NCUA charter #67278) is based in Pawtucket, Rhode Island. Its Q2 2026 call report shows $3.5B in total assets and $2.7B in member shares and deposits and 19 offices across 2 states.

Based on its Q2 2026 filing, Coastal1 Credit Union scores 68/100, which we describe as moderate. That is higher than 50% of 454 credit unions with $1 billion – $10 billion. Among 14 credit unions headquartered in Rhode Island, it ranks 8th. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is earnings (49/100; 0.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.71%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.22%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity52/100
Loans ÷ shares: 108.5% · 8.1% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.92%

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 rose 5 points (63 → 68), mostly because the earnings component improved by 11 points.

TellerScore
616568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202463
Q4 202461
Q1 202564
Q2 202563
Q3 202564
Q4 202564
Q1 202666
Q2 202668
Net worth ratio
7.00%8.86%10.71%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.29%
Q3 202410.27%
Q4 202410.23%
Q1 202510.36%
Q2 202510.39%
Q3 202510.44%
Q4 202510.50%
Q1 202610.56%
Q2 202610.71%
Delinquent loans (60+ days)
0.17%0.26%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.18%
Q3 20240.22%
Q4 20240.29%
Q1 20250.22%
Q2 20250.29%
Q3 20250.25%
Q4 20250.35%
Q1 20260.17%
Q2 20260.22%
Return on assets
0.26%0.49%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.35%
Q3 20240.29%
Q4 20240.26%
Q1 20250.41%
Q2 20250.46%
Q3 20250.50%
Q4 20250.52%
Q1 20260.48%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$3.5B10.71%0.22%0.73%108.5%
Q1 202666$3.5B10.56%0.17%0.48%107.3%
Q4 202564$3.4B10.50%0.35%0.52%109.1%
Q3 202564$3.4B10.44%0.25%0.50%110.7%
Q2 202563$3.4B10.39%0.29%0.46%111.4%
Q1 202564$3.4B10.36%0.22%0.41%112.5%
Q4 202461$3.3B10.23%0.29%0.26%113.5%
Q3 202463$3.4B10.27%0.22%0.29%114.7%
Q2 202463$3.3B10.29%0.18%0.35%117.8%

454 peers · $1 billion – $10 billion

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 ratio10.71%
46th
Problem loans0.22%
94th
Net charge-offs0.06%
96th
Return on assets0.73%
42nd
Loans to deposits108.5%
2nd
Uninsured deposits8.1%
61st
Loan-loss reserves0.00%
50th
Texas ratio1.9%
88th

Similar-size credit unions in Rhode Island

InstitutionScoreAssetsCapitalProblem loansCompare
Navigant Credit UnionCredit union Smithfield, RI64 out of 100, Moderate$4.3B9.9%0.39%vs

Deposit insurance

Is my money safe at Coastal1 Credit Union?

Yes. Coastal1 Credit Union is a federally insured credit union (NCUA charter #67278). 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 8.1% of shares and deposits ($221.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.71%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

19 locations

Branches

Coastal1 Credit Union lists 19 offices in 15 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Coastal1 Credit Union reported 2,276 home-loan applications under HMDA (LEI 549300UK3Z5PC7V71K69): 1,572 originated ($322,790,000 total), 538 denied, and 151 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Coastal1 Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67278
RSSD ID
50694
Primary regulator
State + NCUA
Established
1926
Headquarters
1200 Central Ave, Pawtucket, RI 02861
Employees
288

Quick answers

Coastal1 Credit Union: common questions

Is Coastal1 Credit Union NCUA insured?

Yes. Coastal1 Credit Union is a federally insured credit union (NCUA charter #67278). 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 Coastal1 Credit Union's TellerScore?

68 out of 100 (Moderate), 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 Coastal1 Credit Union have?

19 offices as of the latest NCUA data, in 2 states.

Nearby

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