CALIFORNIA COAST

Charter #66584 | CA

3B-5B (76 CUs) Mid-Market (380 CUs)
10 3B-5B in CA

CALIFORNIA COAST has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 25.4% in tier
  • + ROA 0.09% above tier average
  • + Net Interest Margin 0.10% above tier average
  • + Total Delinquency Rate (60+ days): Top 1.3% in tier
  • + Net Worth Ratio: Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 7.4% in tier
  • - Liquidity Overhang: Bottom 7.8% in tier
  • - Flatlined Growth: Bottom 11.4% in tier
  • - Shrinking Wallet Share: Bottom 12.5% in tier
  • - Credit Quality Pressure: Bottom 25.2% in tier
  • - Indirect Auto Dependency: Bottom 30.8% in tier
  • - Efficiency ratio 7.11% above tier (higher cost structure)
  • - Deposit Growth Rate: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 208,804
+1.3% YoY+0.9% QoQ
 -29.7K 238,465
+0.6% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 40th in tier
Assets $3.4B
-1.2% YoY+0.2% QoQ
 $-610.0M $4.0B
-0.1% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 17.1% in tier
Loans $2.3B
-1.0% YoY-0.8% QoQ
 $-755.7M $3.0B
+3.3% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 9.2% in tier
Deposits $3.0B
-2.1% YoY-0.4% QoQ
 $-370.0M $3.3B
+1.1% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 25.0% in tier
ROA 0.8%
+17.0% YoY+36.7% QoQ
 +0.1% 0.7%
+5.3% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 54th in tier
NIM 3.3%
+12.7% YoY+3.4% QoQ
 +0.1% 3.2%
+13.7% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 53rd in tier
Efficiency Ratio 78.4%
-3.9% YoY-4.5% QoQ
 +7.1% 71.3%
-0.6% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 17.1% in tier
Delinquency Rate 0.1%
+19.9% YoY-31.8% QoQ
 -0.7 0.8%
+15.9% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 1.3% in tier
Loan To Share 76.4%
+1.2% YoY-0.3% QoQ
 -14.5% 90.8%
+2.0% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 11.8% in tier
AMR $25,030
-2.9% YoY-1.5% QoQ
 $-4K $29,088
+0.1% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 33rd in tier
CD Concentration 31.1%
+8.3% YoY+2.8% QoQ
 +2.1% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 62nd in tier
Indirect Auto % 20.4%
-9.1% YoY-4.7% QoQ
 +1.6% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 59th in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#185 of 246 • Top 25.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.28%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.84%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 20.41%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (6)

Deposit Outflow

decline
#10 of 25 • Bottom 7.4% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -2.13%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $3.36B
(Tier: $3.97B, National: $547.69M)
worse than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | New qualifier

Liquidity Overhang

risk
#26 of 113 • Bottom 7.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.72%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 76.38%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Flatlined Growth

risk
#5 of 18 • Bottom 11.4% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $3.36B
(Tier: $3.97B, National: $547.69M)
worse than tier avg
Asset Growth (YoY): -1.17%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Return on Assets: 0.84%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
18 of 380 Mid-Market CUs have this signature | 82 nationally
→ Stable (18→18 CUs) | New qualifier

Shrinking Wallet Share

decline
#39 of 83 • Bottom 12.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.87%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Credit Quality Pressure

risk
#194 of 217 • Bottom 25.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#191 of 202 • Bottom 30.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -1.17%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 20.41%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.28%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 76 peers in tier

Top Strengths (3 metrics)

2
Total Delinquency Rate (60+ days)
risk
Value: 0.12%
Peer Avg: 0.84%
#2 of 76 Top 1.3% in 3B-5B tier
6
Net Worth Ratio
risk
Value: 13.72%
Peer Avg: 10.75%
#6 of 76 Top 6.6% in 3B-5B tier
10
Net Charge-Off Rate
risk
Value: 0.17%
Peer Avg: 0.64%
#10 of 76 Top 11.8% in 3B-5B tier

Top Weaknesses (9 metrics)

70
Deposit Growth Rate
growth
Value: -2.13%
Peer Avg: 8.84%
#70 of 76 Bottom 9.2% in 3B-5B tier
69
Total Loans
balance_sheet
Value: $2.26B
Peer Avg: $3.02B
#69 of 76 Bottom 10.5% in 3B-5B tier
67
Loan Growth Rate
growth
Value: -0.97%
Peer Avg: 9.56%
#67 of 76 Bottom 13.2% in 3B-5B tier
67
Loan-to-Share Ratio
balance_sheet
Value: 76.38%
Peer Avg: 90.85%
#67 of 76 Bottom 13.2% in 3B-5B tier
64
Efficiency Ratio
profitability
Value: 78.38%
Peer Avg: 71.26%
#64 of 76 Bottom 17.1% in 3B-5B tier
64
Asset Growth Rate
growth
Value: -1.17%
Peer Avg: 7.42%
#64 of 76 Bottom 17.1% in 3B-5B tier
64
AMR Growth Rate
growth
Value: -2.87%
Peer Avg: 2.07%
#64 of 76 Bottom 17.1% in 3B-5B tier
63
Total Assets
balance_sheet
Value: $3.36B
Peer Avg: $3.97B
#63 of 76 Bottom 18.4% in 3B-5B tier
58
Member Growth Rate
growth
Value: 1.28%
Peer Avg: 7.02%
#58 of 76 Bottom 25.0% in 3B-5B tier