FYI I'm an African as well. I was born on South Africa and my ancestors were some of the very first people off of the boat from Europe. Calling yourself an African based on any further criteria is bull****.
Now, if you're black: getting called a coconut may be considered an insult to you but really, it shouldn't. Now, I may be wrong about this of course, but from my own point of view, it is a term used by black people who are jealous of what other black people have achieved, of how well they have educated themselves and about how well they are doing in life. It is a term meant to alienate but frankly, in my opinion, it is a term that should be taken as a compliment. I'm yet to hear about a criminal piece of trash being called a coconut. If you are one, you're plenty welcome in my home.