Unverified listing What this means
The Lender Report built this page from public records. Coast360 Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Coast360 Credit Union itself. Each figure shows its source and date. Work at Coast360 Credit Union? You can claim this page for free.
Credit union, Maite, GU
Coast360 Credit Union
A credit union based in Maite, GU. Its commercial book is led by owner-occupied CRE and non-owner-occupied CRE. Public files show recent SBA 7(a) and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $55.0M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 1
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 15
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $633M
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 671-477-8736 From the NCUA record, June 30, 2026.
- Website
- www.coast360fcu.comFrom the NCUA record, November 9, 2026.
- Commercial lending page
- coast360fcu.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- COAST360; Together We Thrive; Coast360 Federal Credit Union; Coast360 FCUNCUA 5300,
- Address
- 450 Route 8, Maite, GU 96910NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Community credit unions. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 11 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 3.0% to $22.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 24.0% to $9.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Mar 2026 | Guam | SBA 7(a), Real Estate and Rental and Leasing | $100K | 8.75% | 10 yr | SBA FOIA | |
| Mar 2026 | Guam | SBA 7(a), Retail Trade | $80K | 8.75% | 7 yr | SBA FOIA | |
| Feb 2026 | Guam | SBA 7(a), Health Care and Social Assistance | $120K | 8.75% | 7 yr | SBA FOIA | |
| May 2025 | Guam | SBA 7(a), Retail Trade | $400K | 9.5% | 10 yr | SBA FOIA | |
| Dec 2024 | Guam | SBA 7(a), Accommodation and Food Services | $50K | 9.75% | 5 yr | SBA FOIA | |
| Sep 2024 | Guam | SBA 7(a), Accommodation and Food Services | $35K | 10.5% | 6 yr | SBA FOIA | |
| Aug 2024 | Guam | SBA 7(a), Retail Trade | $300K | 10.5% | 7 yr | SBA FOIA | |
| Jul 2024 | Guam | SBA 7(a), Health Care and Social Assistance | $50K | 11.5% | 3 yr | SBA FOIA | |
| Jul 2024 | Guam | SBA 7(a), Retail Trade | $50K | 10.5% | 7 yr | SBA FOIA | |
| Jul 2024 | Guam | SBA 7(a), Health Care and Social Assistance | $30K | 10.5% | 5 yr | SBA FOIA | |
| Jun 2024 | Guam | SBA 7(a), Other Services (except Public Administration) | $50K | 10.5% | 7 yr | SBA FOIA | |
| Mar 2024 | Guam | SBA 7(a), Professional, Scientific, and Technical Services | $25K | 11.5% | 5 yr | SBA FOIA | |
| Feb 2024 | Guam | SBA 7(a), Construction | $50K | 11% | 1 yr | SBA FOIA | |
| Jan 2024 | Guam | SBA 7(a), Accommodation and Food Services | $100K | 10.5% | 7 yr | SBA FOIA | |
| Oct 2023 | Guam | SBA 7(a), Retail Trade | $74K | 11.25% | 7 yr | SBA FOIA | |
| 15 SBA 7(a) loans since October 2023, net of cancelled | $1.51M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $8.42M | 1.9% | +11.7% | 17 | $495K |
| Construction and land development | $8.72M | 2.0% | -0.1% | 2 | $4.36M |
| Owner-occupied CRE | $22.9M | 5.3% | +3.0% | 13 | $1.76M |
| Non-owner-occupied CRE | $9.14M | 2.1% | +24.0% | 11 | $831K |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $5.78M | 1.3% | +20.9% | 40 | $145K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $55.0M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $43.6M |
| Q4 2023 | $44.1M |
| Q1 2024 | $43.2M |
| Q2 2024 | $44.7M |
| Q3 2024 | $45.9M |
| Q4 2024 | $45.5M |
| Q1 2025 | $45.9M |
| Q2 2025 | $50.7M |
| Q3 2025 | $52.5M |
| Q4 2025 | $53.2M |
| Q1 2026 | $54.9M |
| Q2 2026 | $55.0M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 15 | $1.51M | $50.0K | $400K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 3 | $300K | SBA FOIA, | ||
| Real-estate-secured commercial | First half of 2026 | 1 | $1.5M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 1 | $1.5M | NCUA 5300, | ||
| C&I | First half of 2026 | 8 | $1.46M | NCUA 5300, |
How these public files were tied to this lender. SBA 7(a) loans: its NCUA charter number.
| Book | Average loan |
|---|---|
| Construction and land development | $4.36M |
| Multifamily | $495K |
| Owner-occupied CRE | $1.76M |
| Non-owner-occupied CRE | $831K |
| Commercial and industrial | $145K |
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Guam HQ | 3 | 15 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $77.5M | $28.5M to $99.4M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $54.7M | $21.5M to $207M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 70.5% | 75.5% to 272.2% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $11.5M | $4.35M to $14.7M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 34.3% | 26.6% to 126.2% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 69.0% | 65.8% to 84.7% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 11 loans (73.3%)
- Approval to first disbursement
- 14 days, median of 15
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Community First Guam Credit Union | GU | $233M | $37.5M |
| Embers Credit Union | MI | $622M | $158M |
| Armco Credit Union | PA | $719M | $65.4M |
| Emblem Credit Union | AL | $628M | $97.5M |
| Innovations Financial Credit Union | FL | $696M | $155M |
| The Peoples Credit Union | RI | $811M | $76.5M |
| Beehive Credit Union | ID | $648M | $124M |
| Heartland Credit Union | KS | $726M | $76.8M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Coast360 Credit Union, NCUA charter 15222. Compare it with the regulator's record. [NCUA profile]
- Balances. $633M in total assets and $55.0M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 1 real-estate-secured commercial loan made in the first half of 2026, from your NCUA Form 5300, and 15 loans in SBA files, through September 30, 2026: 15 SBA 7(a) in 36 months. [How each file was tied to Coast360 Credit Union]
- Phone and website. Phone 671-477-8736, from the NCUA record. Website coast360fcu.com, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 15222
- RSSD
- 30388
- The Lender Report ID
- lr_002188
- Main office county
- Guam
- Members
- 49,686
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $633M in total assets as of June 30, 2026 (NCUA 5300).
- Held $55M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $22.9M of owner-occupied commercial real estate loans as of June 30, 2026, up 3.0% from a year earlier (NCUA 5300).
- Held $9.1M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 24.0% from a year earlier (NCUA 5300).
- Held $8.7M of construction and land loans as of June 30, 2026 (NCUA 5300).
- Recorded 15 SBA 7(a) approvals totaling $1.5M from October 1, 2023 to September 30, 2026 (SBA).
2 more sentences
- Originated 1 real-estate-secured commercial loan totaling $1.5M in the first half of 2026 (NCUA 5300).
- Listed 3 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Coast360 Credit Union, https://lender.report/lender/coast360-credit-union-gu/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Coast360 Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem