State credit union · San Diego, California · NCUA charter #66584
California Coast
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $3.40B
- Total assets
- 210,042
- Members
- 13.4%
- Net-worth ratio
California Coast scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.40B; members 210,042; net-worth ratio 13.44%; health rank #239 of 4,374; healthier than 93rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#239 of 4,374 health · 2025Q4California Coast · health 96/100 · $3.40B · 2025Q4
- BOOK 96/100
- CHARTER 13.4%
- NCUSIF 0.26%
- CAMELS 0.64%
- HEALTH $3.40B
- NW 210,042
- DELQ #239/4,374
- ROA COASTAL1
- ASSETS 66584
Call Report peers
California Coast in the assets neighbourhood
California Coast's $3.40B assets sit next to COASTAL1 ($3.42B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
California Coast vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
California Coast - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66584: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where California Coast diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 13.44% vs peer 11.18% (+2.26 pp).
- Loan-to-Share Ratio trails the peer set - 76.80% here, 83.90% peer average (-7.10 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California Coast in California
- California health ordinal: #18 of 243.
- California assets place: #23 of 243.
- Member book place in California: #18 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How California Coast's 5300 filing moved
California Coast: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $3.40B (2025Q4) to $3.47B (2026Q1).
- Net-worth ratio shifted -0.28 pp (13.72% → 13.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.44%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 15.4 pts
California Coast health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.44% | +2.26 pp |
| Delinquency Rate | 0.26% | -0.61 pp |
| Return on Assets | 0.64% | +0.13 pp |
| Member Growth | 1.34% | - |
| Loan-to-Share Ratio | 76.80% | -7.10 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
California Coast filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.47B | - |
| 2025Q4 | $3.40B | 210,042 |
| 2024Q4 | $3.36B | 207,273 |
| 2023Q4 | $3.29B | 201,575 |
Credit Union Details
- Charter Number
- 66584
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- San Diego
- Data Quarter
- 2025Q4
Branch Locations (27)
The NCUA branch filing lists 27 physical offices for California Coast, spread across 14 cities.
| Office | City |
|---|---|
| Spectrum Center (Main Office) | San Diego, CA |
| Chula Vista | Chula Vista, CA |
| Otay Ranch | Chula Vista, CA |
| El Cajon | El Cajon, CA |
| Encinitas | Encinitas, CA |
| Escondido | Escondido, CA |
| La Mesa | La Mesa, CA |
| Menifee | Menifee, CA |
| Murrieta Hot Springs | Murrieta, CA |
| Murrieta Madison | Murrieta, CA |
| National City | National City, CA |
| Oceanside | Oceanside, CA |
| Poway | Poway, CA |
| Clairemont | San Diego, CA |
| Hillcrest | San Diego, CA |
| Mira Mesa | San Diego, CA |
| Scripps Ranch | San Diego, CA |
| University Heights | San Diego, CA |
| Solar Turbines | San Diego, CA |
| SDSU Campus | San Diego, CA |
| East Village | San Diego, CA |
| University City | San Diego, CA |
| Spectrum Innovation Branch | San Diego, CA |
| Logan Heights | San Diego, CA |
| San Marcos | San Marcos, CA |
| Santee | Santee, CA |
| Temecula | Temecula, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
California Coast nationwide neighbourhoods
Cross-state asset and health neighbours for California Coast - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.40B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- California Coast ranks #239 of 4,374 nationally on financial health and #18 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Premier America is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Premier America
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is California Coast financially healthy?
California Coast has a financial health score of 96/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #239 of 4,374; by total assets it ranks #147 of 4,374 nationally (same basis as /rankings/largest); and #23 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.44% and delinquency rate of 0.26%.
How does California Coast compare to other credit unions?
96/100 is California Coast's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join California Coast?
Membership eligibility for California Coast depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact California Coast directly for current membership requirements and application steps.
Is my money safe at California Coast?
Federal credit unions like California Coast are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. California Coast's net worth ratio of 13.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does California Coast offer compared to banks?
Credit unions like California Coast are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact California Coast directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.