TellerScore

Headquartered in Jacksonville, Florida, Coastline Federal Credit Union is a federal credit union with $136.2M in total assets and $120.7M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1936.

Based on its Q2 2026 filing, Coastline Federal Credit Union scores 70/100, which we describe as strong. That is higher than 51% of 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 58th. Its strongest component is problem-loan coverage (95/100; 2.5%), and its lowest is earnings (29/100; 0.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.63%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.41%
Earnings29/100
Return on assets (annualized): 0.23%
Funding & liquidity88/100
Loans ÷ shares: 72.2% · 3.5% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.47%

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 2 points (72 → 70), mostly because the earnings component weakened by 6 points.

TellerScore
707273Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202471
Q3 202472
Q4 202473
Q1 202571
Q2 202572
Q3 202572
Q4 202573
Q1 202670
Q2 202670
Net worth ratio
7.00%9.53%12.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.90%
Q3 202411.18%
Q4 202411.64%
Q1 202511.44%
Q2 202511.69%
Q3 202512.02%
Q4 202512.05%
Q1 202611.44%
Q2 202611.63%
Delinquent loans (60+ days)
0.15%0.30%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.28%
Q3 20240.28%
Q4 20240.33%
Q1 20250.15%
Q2 20250.26%
Q3 20250.44%
Q4 20250.38%
Q1 20260.23%
Q2 20260.41%
Return on assets
0.05%0.28%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.50%
Q3 20240.44%
Q4 20240.51%
Q1 20250.20%
Q2 20250.38%
Q3 20250.41%
Q4 20250.44%
Q1 20260.05%
Q2 20260.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$136.2M11.63%0.41%0.23%72.2%
Q1 202670$137.3M11.44%0.23%0.05%70.2%
Q4 202573$131.0M12.05%0.38%0.44%72.5%
Q3 202572$129.7M12.02%0.44%0.41%74.3%
Q2 202572$132.1M11.69%0.26%0.38%75.3%
Q1 202571$133.5M11.44%0.15%0.20%73.4%
Q4 202473$131.4M11.64%0.33%0.51%74.0%
Q3 202472$134.7M11.18%0.28%0.44%72.7%
Q2 202471$137.3M10.90%0.28%0.50%73.7%

1,341 peers · $100 million – $1 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 ratio11.63%
53rd
Problem loans0.41%
73rd
Net charge-offs0.43%
42nd
Return on assets0.23%
13th
Loans to deposits72.2%
57th
Uninsured deposits3.5%
77th
Loan-loss reserves0.00%
50th
Texas ratio2.5%
70th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Okaloosa County Teachers Federal Credit UnionCredit union Crestview, FL57 out of 100, Moderate$135.3M9.5%1.39%vs
Broward Healthcare Federal Credit UnionCredit union Fort Lauderdale, FL53 out of 100, Below average$133.7M7.7%1.00%vs
Baptist Health South Florida Federal Credit UnionCredit union Miami, FL71 out of 100, Strong$140.2M11.0%0.62%vs
Sun Credit UnionCredit union Hollywood, FL76 out of 100, Strong$128.8M11.0%0.60%vs
Florida West Coast Credit UnionCredit union Brandon, FL79 out of 100, Strong$144.2M12.0%0.25%vs
Tru Fi Credit UnionCredit union Macclenny, FL84 out of 100, Strong$146.4M12.6%0.60%vs

Deposit insurance

Is my money safe at Coastline Federal Credit Union?

Yes. Coastline Federal Credit Union is a federally insured credit union (NCUA charter #1115). 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 3.5% of shares and deposits ($4.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.63%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Coastline Federal Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Coastline Federal Credit Union reported 86 home-loan applications under HMDA (LEI 254900VUE5T1INQKZ414): 82 originated ($13,410,000 total), 0 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Coastline Federal Credit Union
Type
Federal credit union
NCUA charter #
1115
RSSD ID
637778
Primary regulator
NCUA
Established
1936
Headquarters
4651 Emerson St, Jacksonville, FL 32207
Employees
39

Quick answers

Coastline Federal Credit Union: common questions

Is Coastline Federal Credit Union NCUA insured?

Yes. Coastline Federal Credit Union is a federally insured credit union (NCUA charter #1115). 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 Coastline Federal Credit Union's TellerScore?

70 out of 100 (Strong), 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 Coastline Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Jacksonville

InstitutionScoreAssetsCapitalProblem loansCompare
Mayo Employees Federal Credit UnionCredit union Rochester, MN98 out of 100, Very strong$1.5B14.9%0.05%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Metro North Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$21.7M16.7%0.07%vs
Southeastern BankBank Darien, GA86 out of 100, Very strong$624.9M13.4%0.38%vs
Tru Fi Credit UnionCredit union Macclenny, FL84 out of 100, Strong$146.4M12.6%0.60%vs
Cypress Bank & TrustBank Melbourne, FL79 out of 100, Strong$256.8M11.8%0.00%vs