Credit Union Safety Analysis
Is California Coast Credit Union Safe? San Diego, California
Based on its Q2 2026 NCUA 5300 call report, California Coast Credit Union has a net worth ratio of 13.91%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.26%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, California Coast Credit Union's net worth ratio is 13.91%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.91%
- Delinquency ratio (60+ days) (Q2 2026): 0.26%
- Return on assets (Q2 2026): 1.99%
- Loan-to-share ratio (Q2 2026): 78.23%
California Coast Credit Union (NCUA charter 66584, established 1929) reported $3.48B in assets and 211,695 members for Q2 2026 from San Diego, California. It ranks 23 of 238 credit unions in California by total assets. Total assets grew 3.6% from $3.35B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 13.44% for Q1 2026; 13.43% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.24% for Q1 2026; 0.17% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.33% for Q1 2026; 0.66% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 76.46% for Q1 2026; 76.64% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.06B
- Used vehicle loans: $451.0M
- New vehicle loans: $365.4M
- Commercial loans: $275.4M
- Other unsecured loans and lines of credit: $90.4M
- Unsecured credit card loans: $77.7M
- Other secured non-real estate loans and lines of credit: $62.6M
- Non-federally guaranteed student loans: $37K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.48B | 13.91% | 0.26% | 1.99% | 78.23% |
| March 31, 2026 | $3.47B | 13.44% | 0.24% | 0.33% | 76.46% |
| December 31, 2025 | $3.40B | 13.72% | 0.26% | 0.60% | 76.80% |
| September 30, 2025 | $3.36B | 13.72% | 0.12% | 1.27% | 76.38% |
| June 30, 2025 | $3.35B | 13.43% | 0.17% | 0.66% | 76.64% |
| March 31, 2025 | $3.42B | 13.02% | 0.13% | 0.57% | 74.71% |
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Free to use. It shows California Coast Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
California Coast Credit Union profile
Regulator records: NCUA credit union profile (charter 66584) · FFIEC NIC profile (RSSD 471196)
Frequently asked questions
Is California Coast Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, California Coast Credit Union's net worth ratio is 13.91%, above the 7% NCUA threshold for well capitalized.
Is California Coast Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. California Coast Credit Union is a federally insured credit union (NCUA charter 66584): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are California Coast Credit Union's key safety ratios?
For Q2 2026, California Coast Credit Union reports net worth 13.91%, delinquency 0.26%, ROA 1.99%, loan-to-share 78.23%.
What happens to my money if California Coast Credit Union fails?
For Q2 2026, California Coast Credit Union held $3.05B in shares and deposits for 211,695 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.