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
Call Report peers
COASTHILLS in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); COASTHILLS sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in California, WHEELHOUSE (#142) ties at 83/100; one place down, Fresno Police Department (#144) scores 82/100, 1 point lower.
COASTHILLS: 2025Q4 → 2026Q1
COASTHILLS: total assets by quarter
2024Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $1.77B (2025Q4) to $1.77B (2026Q1).
- Net-worth ratio shifted +0.00 pp (7.99% → 7.99%).
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
COASTHILLS gives up 17 points in total. Return on Assets costs the most, 9.5 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is COASTHILLS financially healthy?
COASTHILLS has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,358 of 4,374 nationally on health and #143 of 243 in California. Its net worth ratio is 7.99% and its delinquency rate 0.68%.
How does COASTHILLS compare to other credit unions?
COASTHILLS scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (86.12% vs 83.90%). Its widest shortfall is net worth ratio (7.99% vs 11.18%).
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?
COASTHILLS is a federal 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. COASTHILLS's net worth ratio of 7.99% 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.