Mix dry ingredients (except coconut) in 1 bowl, and mix on low the wet ingredients in another using a mixer.
Slowly add the dry ingredients into the wet using your mixer on low to combine well.
Fold in mashed bananas, coconut and 1/4 c. crushed nuts if you are adding those.
If you want to make a loaf, fill sprayed pan and bake for 40-50 minutes or until toothpick in center comes out mostly clean with moist crumbs attached.
Fill muffin cups 3/4 full and put in a preheated oven at 350 degrees for about 18 minutes or just until they spring back when touched in the center, you do NOT want to over bake them so they stay moist.