Mix all ingredients in a small bowl till crumbly.
Press into a 9" square pan and bake at 375° for about 15 minutes or till golden brown.
Crumble while hot and set aside. Cool completely.
Beat cream till soft peaks form. Add powdered sugar and vanilla and beat till stiff. Set aside.
In a large mixing bowl, beat cream cheese till smooth.
Gradually beat in the sweetened condensed milk. Beat till well combined.
Fold in the whipped cream.
In 10-12 small mason jars or clear plastic cups, layer half of the crumbs, filling, 2/3 of the fruit, and 2/3 of the coconut.
Add remaining filling, then crumbs.
Top off with bananas, pineapple, then coconut. Serve immediately or chill for up to two hours.