State credit union · Eureka, California · NCUA charter #62367
Coast Central
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $2.29B
- Total assets
- 80,401
- Members
- 11.8%
- Net-worth ratio
Coast Central scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.29B; members 80,401; net-worth ratio 11.79%; health rank #788 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#788 of 4,374 health · 2025Q4Coast Central · health 92/100 · $2.29B · 2025Q4
Call Report peers
Coast Central in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Coast Central vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Coast Central sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Coast Central diverges from peer averages
- Net Worth Ratio leads the peer set - 11.79% here, 11.18% peer average (+0.61 pp).
- Largest lag: Loan-to-Share Ratio at 55.70% vs peer 83.90% (-28.20 pp).
Coast Central: in-state Call Report ranks
- Health composite ranks #51 of 243 among scored California credit unions.
- Assets rank #31 of 243 inside California ($2.29B reported).
- Member book place in California: #44 of 243.
- One place up in California, SCHOOLS (#50) ties at 92/100; one place down, American First (#52) ties at 92/100.
Quarter path for Coast Central
Coast Central: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $2.29B (2025Q4) to $2.32B (2026Q1).
- Net-worth ratio shifted +0.02 pp (11.77% → 11.79%).
This credit union's 11.79% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Coast Central gives up 8 points in total. Member Growth costs the most, 3.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 15.0 pts
- Member Growth 11.5 pts
- Loan-to-Share Ratio 12.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.79% | +0.61 pp |
| Delinquency Rate | 0.67% | -0.21 pp |
| Return on Assets | 0.62% | +0.11 pp |
| Member Growth | 2.07% | - |
| Loan-to-Share Ratio | 55.70% | -28.20 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Coast Central quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.32B | - |
| 2025Q4 | $2.29B | 80,401 |
| 2024Q4 | $2.18B | 78,768 |
| 2023Q4 | $2.05B | 77,611 |
Credit Union Details
- Charter Number
- 62367
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Eureka
- Data Quarter
- 2025Q4
Branch Locations (11)
Per its most recent NCUA branch filing, Coast Central runs 11 offices in 8 different cities.
| Office | City |
|---|---|
| Eureka - Harrison Ave (Main Office) | Eureka, CA |
| Arcata Giuntoli | Arcata, CA |
| Arcata Uniontown | Arcata, CA |
| Crescent City | Crescent City, CA |
| Eureka - Bayshore Mall | Eureka, CA |
| Eureka - Downtown | Eureka, CA |
| Fortuna | Fortuna, CA |
| Hoopa | Hoopa, CA |
| McKinleyville - Central | McKinleyville, CA |
| Weaverville | Weaverville, CA |
| Willow Creek | Willow Creek, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Coast Central nationwide neighbourhoods
Using this data
- Coast Central ranks #788 of 4,374 nationally on financial health and #51 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Financial Partners is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Financial Partners
Frequently Asked Questions
Is Coast Central financially healthy?
Coast Central has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #788 of 4,374 nationally on health and #51 of 243 in California. Its net worth ratio is 11.79% and its delinquency rate 0.67%.
How does Coast Central compare to other credit unions?
Coast Central scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (11.79% vs 11.18%). Its widest shortfall is loan-to-share ratio (55.70% vs 83.90%).
How can I join Coast Central?
Membership eligibility for Coast Central depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Coast Central directly for current membership requirements and application steps.
Is my money safe at Coast Central?
Coast Central 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. Coast Central's net worth ratio of 11.79% 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.