Credit Union Safety Analysis
Is Coast Central Credit Union Safe? Eureka, California
Based on its Q2 2026 NCUA 5300 call report, Coast Central Credit Union has a net worth ratio of 11.99%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.70%, 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, Coast Central Credit Union's net worth ratio is 11.99%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.99%
- Delinquency ratio (60+ days) (Q2 2026): 0.70%
- Return on assets (Q2 2026): 0.52%
- Loan-to-share ratio (Q2 2026): 57.97%
Coast Central Credit Union (NCUA charter 62367, established 1974) reported $2.31B in assets and 80,768 members for Q2 2026 from Eureka, California. It ranks 31 of 238 credit unions in California by total assets. Total assets grew 2.7% from $2.25B on June 30, 2025. It has 1,456 more members than on June 30, 2025 (+1.8%). Its net worth ratio was up 0.41 percentage points from 11.58% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $487.2M of $1.18B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.70% is above 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: 11.79% for Q1 2026; 11.58% 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: 0.53% for Q1 2026; 1.17% 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: 0.81% for Q1 2026; 0.61% 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: 54.77% for Q1 2026; 52.76% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $487.2M
- Commercial loans: $382.8M
- Used vehicle loans: $163.3M
- New vehicle loans: $71.3M
- Other secured non-real estate loans and lines of credit: $52.0M
- Unsecured credit card loans: $15.2M
- Other unsecured loans and lines of credit: $13.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.31B | 11.99% | 0.70% | 0.52% | 57.97% |
| March 31, 2026 | $2.32B | 11.79% | 0.53% | 0.81% | 54.77% |
| December 31, 2025 | $2.29B | 11.77% | 0.67% | 0.75% | 55.70% |
| September 30, 2025 | $2.28B | 11.65% | 0.28% | 0.83% | 53.04% |
| June 30, 2025 | $2.25B | 11.58% | 1.17% | 0.61% | 52.76% |
| March 31, 2025 | $2.24B | 11.49% | 0.32% | 0.56% | 51.98% |
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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.
Coast Central Credit Union profile
Regulator records: NCUA credit union profile (charter 62367) · FFIEC NIC profile (RSSD 657897)
Frequently asked questions
Is Coast Central Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Coast Central Credit Union's net worth ratio is 11.99%, above the 7% NCUA threshold for well capitalized.
Is Coast Central Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Coast Central Credit Union is a federally insured credit union (NCUA charter 62367): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Coast Central Credit Union's key safety ratios?
For Q2 2026, Coast Central Credit Union reports net worth 11.99%, delinquency 0.70%, ROA 0.52%, loan-to-share 57.97%.
What happens to my money if Coast Central Credit Union fails?
For Q2 2026, Coast Central Credit Union held $2.04B in shares and deposits for 80,768 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.