State credit union · San Diego, California · NCUA charter #66584
California Coast
Health score 96/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $3.40B
- Total assets
- 210,042
- Members
- 11.0%
- Net-worth ratio
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.
California Coast - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth71
- Liquidity (loan-to-share)100
Weighted composite: 96/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.01%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.01% | 30% |
| Delinquency Rate | 0.26% | 25% |
| Return on Assets | 0.64% | 15% |
| Member Growth | 1.34% | 15% |
| Loan-to-Share Ratio | 76.80% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About California Coast
The five-factor composite scores California Coast at 96/100 (Excellent), reflecting a net worth ratio of 11.01% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in San Diego, California, reports 210,042 members, $3.40B in total assets, and $2.30B in outstanding loans as of Q4 2025 under charter #66584 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Deposits deployed into lending sit at a 76.80% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.26% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 0.64% on net income of $21.8M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.34%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.01% 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 11.01% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.