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Overview / Commentary
333 Cottage Rd
South Portland, ME 04106

Coast Line Credit Union is headquartered in South Portland and is the 44th largest credit union in the state of Maine. It is also the 2,345th largest credit union in the nation. It was established in 1927 and as of December of 2013, it had grown to 7 employees and 3,669 members. Coast Line Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Cumberland County. Also open to employees of Maine Central Railroad, its subsidiary or other select companies. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Coast Line Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Coast Line Credit Union had $41,000 in non-current loans and owned real-estate with $7.71 million in equity and loan loss allowances on hand to cover it. This gives Coast Line Credit Union a Texas Ratio of 0.53% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Coast Line Credit Union decreased dramatically from 3.11% as of December 31, 2012 to 0.53% as of December 31, 2013, resulting in a positive change of 82.92%.This indicates that the balance sheet and financial strength for Coast Line Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Coast Line Credit Union has decreased its total deposits by $-274,000, resulting in -0.79% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Coast Line Credit Union has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Coast Line Credit Union has $47 million in assets with $7.71 million in equity, resulting in a capitalization level of 16.41%, which is excellent.

Institution Statistics

NCUA #60646
Year Chartered1927
Primary Regulator
Assets and Liabilities
Assets$47.01 million
Loans$32.58 million
Deposits$34.28 million
Equity Capital$7.34 million
Loan Loss Allowance$371,000
Unbacked Noncurrent Loans$41,000
Real Estate Owned$0
Historic Data - December 2012
Assets$46.70 million
Equity Capital$6.97 million
Loan Loss Allowance$328,000
Unbacked Noncurrent Loans$41,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.62%
Return on Assets0.8%
Return on Equity5.13%
Interest Income$1.50 million

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Coast Line Credit Union Savings Account Rates

0.20%--IRA Savings
0.20%--Roth IRA Savings
0.20%--Coverdell Education Savings
0.10%--Share Savings
0.10%--All Purpose Club
0.10%--Holiday Club

Coast Line Credit Union Money Market Rates

0.40%$50k-IRA Money Market Account
0.30%$50k-Money Market Account

Coast Line Credit Union Checking Account Rates

0.03%--Personal Checking Account

Coast Line Credit Union CD Rates

1.50%$2k-5 Year Share Certificate
1.20%$2k-4 Year Share Certificate
1.00%$2k-3 Year Share Certificate
0.70%$2k-2 Year Share Certificate
0.45%$2k-1 Year Share Certificate
0.35%$20k-7 Month Share Certificate
0.25%$2k-6 Month Share Certificate

Coast Line Credit Union IRA Rates

1.50%$2k-5 Year IRA Certificate (Traditional,Roth,CESA)
1.20%$2k-4 Year IRA Certificate (Traditional,Roth,CESA)
1.00%$2k-3 Year IRA Certificate (Traditional,Roth,CESA)
0.70%$2k-2 Year IRA Certificate (Traditional,Roth,CESA)
0.45%$2k-1 Year IRA Certificate (Traditional,Roth,CESA)
0.30%$2k-6 Month IRA Certificate (Traditional,Roth,CESA)

Coast Line Credit Union Locations
Branch Office333 Cottage RdSouth Portland, ME 041063919