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
Call Report peers
California Coast in the assets neighbourhood
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California Coast vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); California Coast sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
California Coast in California
- California health ordinal: #18 of 243.
- California assets place: #23 of 243.
- Member book place in California: #18 of 243.
- One place up in California, STRATA (#17) ties at 96/100; one place down, REDWOOD (#19) ties at 96/100.
How California Coast's 5300 filing moved
California Coast: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $3.40B (2025Q4) to $3.47B (2026Q1).
- Net-worth ratio shifted -0.28 pp (13.72% → 13.44%).
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
California Coast gives up 4 points in total. Member Growth costs the most, 4.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is California Coast financially healthy?
On its 2025Q4 NCUA 5300 filing, California Coast scores 96/100 (Excellent), with a 13.44% net worth ratio and 0.26% of loans delinquent. It ranks #239 of 4,374 nationally on health and #18 of 243 in California.
How does California Coast compare to other credit unions?
California Coast scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.44% vs 11.18%). Its widest shortfall is loan-to-share ratio (76.80% vs 83.90%).
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?
California Coast is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.