California Coast
San Diego, CA · Charter 66584 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 28 branches
Q2 2026
$3.5BAssets
$2.4BLoans
$3.1BShares
$483.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 93% of credit unions $1B-$10B in assets (rank 32 of 435).
- Widest gap: efficiency ratio trails 64% of credit unions $1B-$10B in assets (rank 279 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.16%
Rank 97 of 435
Net Interest Margin
3.30%
Rank 245 of 435
Efficiency Ratio
75.05%
Rank 279 of 435
Equity / Assets
13.91%
Rank 55 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.55% | 0.81% | 1.14% | Beats 78% | 97 / 435 | |
| Return on Equity | 8.35% | 5.12% | 7.41% | 9.70% | Beats 61% | 168 / 435 | |
| Net Interest Margin | 3.30% | 3.01% | 3.39% | 3.75% | Beats 44% | 245 / 435 | |
| Efficiency Ratio | 75.05% | 65.25% | 71.39% | 77.86% | Beats 36% | 279 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.45% | 0.69% | 1.05% | Beats 93% | 32 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.91% | 9.81% | 10.84% | 12.63% | Beats 87% | 55 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.91% | 9.81% | 10.84% | 12.63% | Beats 87% | 55 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 78.23% | 78.33% | 88.38% | 95.61% | 25th pctl | 328 / 435 | |
| Loans / Assets | 68.65% | 67.69% | 74.58% | 80.80% | 27th pctl | 316 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |