Coast Central Credit Union
Total assets
$2.32B
▲ +3.9% YoY
Shares & deposits
$2.06B
▲ +4.1% YoY
Loans
$1.13B
▲ +9.7% YoY
Members
80,982
▲ +2.2% YoY
ROA (annualized)
0.81%
peers 0.71%
ROE (annualized)
6.90%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +5.1% | -1.3 pts |
| Share growth (YoY) | +4.2% | +4.9% | -0.7 pts |
| Loan growth (YoY) | +9.7% | +5.4% | +4.3 pts |
| ROA | 0.81% | 0.71% | +0.1 pts |
| ROE | 6.9% | 6.3% | +0.6 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
Profile
- Established
- 1974
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 2650 Harrison Ave, Eureka, CA, 95501
- NCUA charter #
- 62367
- RSSD ID
- 657897
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.32B | $2.06B | $1.13B | $273.7M | $4.7M | 0.81% | 2.28% | 0.53% | 80,982 |
| Q4 2025 | $2.29B | $2.03B | $1.13B | $269.4M | $15.6M | 0.68% | 2.13% | 0.67% | 80,401 |
| Q3 2025 | $2.28B | $2.02B | $1.07B | $265.1M | $11.3M | 0.66% | 2.10% | 0.28% | 79,843 |
| Q2 2025 | $2.25B | $1.98B | $1.04B | $260.4M | $6.6M | 0.58% | 2.11% | 1.18% | 79,312 |
| Q1 2025 | $2.24B | $1.98B | $1.03B | $256.9M | $3.1M | 0.56% | 2.10% | 0.32% | 79,273 |
| Q4 2024 | $2.18B | $1.93B | $1.02B | $254.2M | $14.1M | 0.65% | 1.99% | 0.51% | 78,768 |
| Q3 2024 | $2.11B | $1.86B | $1.00B | $250.1M | $10.0M | 0.63% | 1.99% | 0.43% | 78,350 |
| Q2 2024 | $2.03B | $1.79B | $991.0M | $246.2M | $6.0M | 0.59% | 2.02% | 0.41% | 77,790 |
Loan mix (Q1 2026): real estate $480.6M · commercial $340.5M · consumer $265.4M · securities $674.7M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.71% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 6.3% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.28% | 3.32% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.4% | 73.0% | 40th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Firefighters First Federal Credit UnionLos Angeles, CA · $2.47B
- Altura Federal Credit UnionRiverside, CA · $2.67B
- Partners Federal Credit UnionBurbank, CA · $2.80B
- Arrowhead Federal Credit UnionRancho Cucamong, CA · $2.91B
- F & A Federal Credit UnionMonterey Park, CA · $3.06B
- Orange County's Federal Credit UnionSanta Ana, CA · $3.07B
Selling to Coast Central Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.