PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

California Coast

San Diego, CA · Charter 66584

NCUA · 28 branches

Q2 2026

$3.5BAssets
$2.4BLoans
$3.1BShares
$483.7MNet 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 1.16%, up 55 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.26% of loans (+9 bps YoY).
  • Capital: net worth / assets of 13.91%, up 47 bps from a year ago.
  • Funding: loans stand at 78.23% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.16%+55 bps YoY

Net Interest Margin (quarter, annualized)

3.30%+7 bps YoY

Efficiency Ratio (quarter, annualized)

75.05%-702 bps YoY

Net Worth / Assets

13.91%+47 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.84%0.77%0.33%1.16%+55 bps
Return on Equity4.59%6.08%5.60%2.47%8.35%+376 bps
Net Interest Margin3.23%3.30%3.31%3.32%3.30%+7 bps
Efficiency Ratio82.07%78.38%79.02%92.54%75.05%-702 bps
Growth
Asset Growth (YoY)-1.43%-1.17%1.11%1.56%3.65%+508 bps
Loan Growth (YoY)1.13%-0.97%0.55%2.68%4.62%+350 bps
Share Growth (YoY)-2.85%-2.13%-0.56%0.32%2.50%+535 bps
Asset Quality
Delinquent Loans / Loans0.17%0.12%0.26%0.24%0.26%+9 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 Capital13.44%13.73%13.74%13.44%13.91%+47 bps
Net Worth / Assets13.44%13.73%13.74%13.44%13.91%+47 bps
Liquidity & Funding
Loans / Shares76.64%76.38%76.80%76.46%78.23%+159 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps