Coast Central
Eureka, CA · Charter 62367 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
$2.3BAssets
$1.2BLoans
$2.0BShares
$276.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 68% of credit unions $1B-$10B in assets (rank 141 of 435).
- Widest gap: net interest margin trails 96% of credit unions $1B-$10B in assets (rank 419 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.67%
Rank 286 of 435
Net Interest Margin
2.25%
Rank 419 of 435
Efficiency Ratio
73.29%
Rank 249 of 435
Equity / Assets
11.99%
Rank 141 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.67% | 0.55% | 0.81% | 1.14% | Beats 34% | 286 / 435 | |
| Return on Equity | 5.60% | 5.12% | 7.41% | 9.70% | Beats 31% | 300 / 435 | |
| Net Interest Margin | 2.25% | 3.01% | 3.39% | 3.75% | Beats 4% | 419 / 435 | |
| Efficiency Ratio | 73.29% | 65.25% | 71.39% | 77.86% | Beats 43% | 249 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.45% | 0.69% | 1.05% | Beats 49% | 222 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.99% | 9.81% | 10.84% | 12.63% | Beats 68% | 141 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.99% | 9.81% | 10.84% | 12.63% | Beats 68% | 141 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 57.97% | 78.33% | 88.38% | 95.61% | 6th pctl | 410 / 435 | |
| Loans / Assets | 51.32% | 67.69% | 74.58% | 80.80% | 7th pctl | 403 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |