Federal credit union · Santa Maria, California · NCUA charter #24957
COASTHILLS
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $1.77B
- Total assets
- 83,113
- Members
- 8.0%
- Net-worth ratio
COASTHILLS scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.77B; members 83,113; net-worth ratio 7.99%; health rank #2,358 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,358 of 4,374 health · 2025Q4COASTHILLS · health 83/100 · $1.77B · 2025Q4
- CAMELS 83/100
- HEALTH 8.0%
- NW 0.68%
- DELQ 0.02%
- ROA $1.77B
- ASSETS 83,113
- MEM #2,358/4,374
- RANK BEACON
- PHOTO 24957
Call Report peers
COASTHILLS in the assets neighbourhood
COASTHILLS's $1.77B assets sit next to BEACON ($1.77B) 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.
COASTHILLS 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
83 46th percentile higher than 46% 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
COASTHILLS - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24957. See our deposit-insurance coverage note.
COASTHILLS: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +2.22 pp (86.12% vs 83.90%).
- Largest lag: Net Worth Ratio at 7.99% vs peer 11.18% (-3.19 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for COASTHILLS
- Health composite ranks #143 of 243 among scored California credit unions.
- California assets place: #39 of 243.
- Membership ranks #40 of 243 among California CUs with a reported count (83,113 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
COASTHILLS: 2025Q4 → 2026Q1
COASTHILLS: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $1.77B (2025Q4) to $1.77B (2026Q1).
- Net-worth ratio shifted +0.00 pp (7.99% → 7.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 7.99% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 25.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 5.5 pts
- Member Growth 14.6 pts
- Loan-to-Share Ratio 14.7 pts
COASTHILLS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.99% | -3.19 pp |
| Delinquency Rate | 0.68% | -0.19 pp |
| Return on Assets | 0.02% | -0.49 pp |
| Member Growth | 4.68% | - |
| Loan-to-Share Ratio | 86.12% | +2.22 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).
COASTHILLS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.77B | - |
| 2025Q4 | $1.77B | 83,113 |
| 2024Q4 | $1.81B | 79,394 |
Credit Union Details
- Charter Number
- 24957
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- California
- City
- Santa Maria
- Data Quarter
- 2025Q4
Branch Locations (11)
COASTHILLS operates 11 offices across 10 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Santa Maria HQ (Main Office) | Santa Maria, CA |
| Grand Avenue Branch | Arroyo Grande, CA |
| Atascadero Branch | Atascadero, CA |
| Lompoc Branch | Lompoc, CA |
| Vandenberg Village Branch | LOMPOC, CA |
| Nipomo Branch | Nipomo, CA |
| Paso Robles Branch | Paso Robles, CA |
| San Luis Obispo | San Luis Obispo, CA |
| Santa Maria Branch | SANTA MARIA, CA |
| Orcutt Branch | Santa Maria, CA |
| Vandenberg Air Force Base | VANDENBERG AFB, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Cross-state Call Report peers for COASTHILLS
Cross-state asset and health neighbours for COASTHILLS - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.77B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- COASTHILLS ranks #2,358 of 4,374 nationally on financial health and #143 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FRONTWAVE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FRONTWAVE
- 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 COASTHILLS financially healthy?
COASTHILLS scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,358 of 4,374; by total assets it ranks #280 of 4,374 nationally (same basis as /rankings/largest); and #39 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.99% net worth ratio and a 0.68% delinquency rate.
How does COASTHILLS compare to other credit unions?
PlainCU's health composite puts COASTHILLS at 83/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 COASTHILLS?
COASTHILLS operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact COASTHILLS directly for the exact boundaries and application steps.
Is my money safe at COASTHILLS?
Federal credit unions like COASTHILLS 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. COASTHILLS's net worth ratio of 7.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does COASTHILLS offer compared to banks?
Credit unions like COASTHILLS 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 COASTHILLS 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.