PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Coast Central

Eureka, CA · Charter 62367

NCUA · 10 branches

Q2 2026

$2.3BAssets
$1.2BLoans
$2.0BShares
$276.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.67%, up 9 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 0.70% of loans (-48 bps YoY).
  • Capital: net worth / assets of 11.99%, up 40 bps from a year ago.
  • Funding: loans stand at 57.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.67%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.25%+13 bps YoY

Efficiency Ratio (YTD, annualized)

73.28%-88 bps YoY

Net Worth / Assets

11.99%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.66%0.68%0.81%0.67%+9 bps
Return on Equity5.03%5.66%5.77%6.90%5.60%+57 bps
Net Interest Margin2.11%2.10%2.13%2.28%2.25%+13 bps
Efficiency Ratio74.16%72.71%72.36%70.43%73.28%-88 bps
Growth
Asset Growth (YoY)10.67%7.66%4.84%3.86%2.71%-796 bps
Loan Growth (YoY)5.35%6.69%10.51%9.73%13.48%+813 bps
Share Growth (YoY)10.28%8.76%4.85%4.15%3.28%-700 bps
Asset Quality
Delinquent Loans / Loans1.17%0.28%0.67%0.53%0.70%-48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.59%11.65%11.77%11.79%11.99%+40 bps
Net Worth / Assets11.59%11.65%11.77%11.79%11.99%+40 bps
Liquidity & Funding
Loans / Shares52.76%53.04%55.70%54.77%57.97%+521 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps