If a place is shoaly, it has a lot of shallow water. Also, if a place is shoaly, it has a lot of shoals, which are groups of fish.
Shoaly can make people think of beaches, fishing, and shallow water.
Examples:
The shoaly water is not good for big boats.
The shoaly beach is good for finding fish.
The shoaly area is full of fish.
I don't like the shoaly water because it's too shallow for swimming.
The shoaly bay is full of fish, you can catch a lot!
The shoaly place is not good for big boats, but it's great for fishing.