Preheat oven at 375 degrees.
Mash the overripe bananas in a medium sized bowl and add the sugar. Add the egg and beat slighly then slowly add the melted butter and stir until mixed. Pour in all of the dry ingredients allowing them to sit for a few minutes for the oatmeal to become wet and then stir, but do not overmix. Batter will be slightly lumpy. Add in the optional coconut or chocolate chips and stir until just mixed.
Bake in oven for 20 minutes or until golden brown. Muffins freeze well.