California Coast Credit Union San Diego, California
California Coast Credit Union is a state-chartered credit union headquartered in San Diego, CA, established in 1929 (NCUA charter 66584), and it is regulated and insured by the NCUA. At Q2 2026 it reported 211,695 members and total assets of $3.48B (up 3.6% from Q2 2025), the 23rd largest of 238 credit unions headquartered in California. Its net worth ratio was 13.91% at Q2 2026, in the well capitalized band.
Also written as California Coast CU · Trade names filed with the NCUA: CCCU, Cal Coast CU and Cal Coast Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 66584
- Headquarters
- San Diego, CA
- Established
- 1929
- Total assets, Q2 2026
- $3.48B
- Assets vs Q2 2025
- +3.6%
- Members, Q2 2026
- 211,695
- Net worth ratio, Q2 2026
- 13.91%
- Latest call report
- Q2 2026, NCUA 5300 · California Coast Credit Union call report
- Asset rank in state
- 23rd of 238 in California
- Routing number
- 322281578
- Branches
- 26
It has 4,776 more members than on June 30, 2025 (+2.3%). Its net worth ratio was up 0.48 percentage points from 13.43% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.06B of $2.39B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.26% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.91% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in California
Credit unions merged into California Coast Credit Union
Ketema Federal Credit Union (2013)
Frequently asked about California Coast Credit Union
How big is California Coast Credit Union?
At Q2 2026 it reported total assets of $3.48B and 211,695 members.
Where is California Coast Credit Union headquartered?
It is headquartered in San Diego, CA, United States.
When was California Coast Credit Union founded?
It was established in 1929, per NCUA records.
Is California Coast Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66584): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates California Coast Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is California Coast Credit Union well capitalized?
Its net worth ratio was 13.91% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is California Coast Credit Union's delinquency ratio?
Its delinquency ratio was 0.26% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is California Coast Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 78.23% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Diego, CA 92123
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1929
- NCUA Charter #
- 66584
- RSSD ID
- 471196
- Members
- 211,695
- Potential members
- 21,696,263
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 6 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.91% | 10.89% | 85th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.99% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 14.33% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.28% | 3.45% | 40th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 61.74% | 70.59% | 78th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 0.90% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.26% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.18% | 5.12% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 78.23% | 88.03% | 25th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.48B total assets against $3.35B; $3.05B total shares and deposits against $2.98B; $2.39B total loans against $2.28B.
$483.7M net worth against $450.8M.
13.91% net worth ratio against 13.43%.
78.23% loan-to-share ratio against 76.64%.
0.26% delinquency ratio against 0.17%.
1.99% return on assets against 0.66%; 14.33% return on equity against 4.89%.
3.28% net interest margin against 3.32%.
211,695 members against 206,919.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.91% | 1.99% | 0.26% | 78.23% |
| March 31, 2026 | 13.44% | 0.33% | 0.24% | 76.46% |
| December 31, 2025 | 13.72% | 0.60% | 0.26% | 76.80% |
| September 30, 2025 | 13.72% | 1.27% | 0.12% | 76.38% |
| June 30, 2025 | 13.43% | 0.66% | 0.17% | 76.64% |
| March 31, 2025 | 13.02% | 0.57% | 0.13% | 74.71% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.