PackageTrendsPeer
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Central Coast

Marina, CA · Charter 14455

NCUA · 4 branches

Q1 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2024, the quarter ended March 31, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Central Coast

Marina, CA · Charter 14455

NCUA · 4 branches

Q1 2024

$172.1MAssets
$105.7MLoans
$166.4MShares
$11.8MNet Worth

Executive Summary

  • Earnings: ROA of -2.31%, down 212 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.98% of loans (+25 bps YoY).
  • Capital: net worth / assets of 6.83%, down 24 bps from a year ago.
  • Funding: loans stand at 63.51% of shares as of Q1 2024.

Return on Assets (YTD, annualized)

-2.31%-212 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+86 bps YoY

Efficiency Ratio (YTD, annualized)

147.01%+4,455 bps YoY

Net Worth / Assets

6.83%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024YoY ΔTrend
Earnings
Return on Assets-0.12%-0.08%-0.25%-0.19%-0.16%-0.17%-0.22%-2.31%-212 bps
Return on Equity-1.59%-1.03%-3.47%-2.65%-2.09%-2.27%-3.02%-33.84%-3,119 bps
Net Interest Margin2.42%2.49%2.52%2.72%3.09%3.14%3.30%3.58%+86 bps
Efficiency Ratio99.28%97.99%100.85%102.45%101.85%101.44%102.50%147.01%+4,455 bps
Growth
Asset Growth (YoY)2.18%0.34%1.15%1.55%-4.04%-3.22%-7.20%-8.00%-954 bps
Loan Growth (YoY)15.91%23.86%29.63%28.83%17.97%10.47%3.00%0.65%-2,818 bps
Share Growth (YoY)6.30%3.94%-2.67%-2.75%-2.90%-1.30%0.58%-0.39%+236 bps
Asset Quality
Delinquent Loans / Loans0.79%0.18%0.96%0.73%0.97%1.12%1.49%0.98%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.42%0.41%0.50%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.52%7.46%7.13%7.07%7.56%7.38%7.35%6.83%-24 bps
Net Worth / Assets7.52%7.46%7.13%7.07%7.56%7.38%7.35%6.83%-24 bps
Liquidity & Funding
Loans / Shares52.07%55.43%62.26%62.86%63.27%62.04%63.76%63.51%+66 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps