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Coasthills

Lompoc, CA · Charter 68653

NCUA · 12 branches

Q4 2023

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: Q4 2023, the quarter ended December 31, 2023, 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

Coasthills

Lompoc, CA · Charter 68653

NCUA · 12 branches

Q4 2023

$1.8BAssets
$1.3BLoans
$1.4BShares
$139.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.35%, down 2 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.42% of loans (+12 bps YoY).
  • Capital: net worth / assets of 7.84%, up 48 bps from a year ago.
  • Funding: loans stand at 90.37% of shares as of Q4 2023.

Return on Assets (YTD, annualized)

0.35%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.88%+6 bps YoY

Efficiency Ratio (YTD, annualized)

79.69%-244 bps YoY

Net Worth / Assets

7.84%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023YoY ΔTrend
Earnings
Return on Assets0.37%0.40%0.42%0.37%0.17%0.31%0.30%0.35%-2 bps
Return on Equity4.66%5.15%5.63%5.09%2.33%4.05%3.86%4.50%-59 bps
Net Interest Margin2.87%2.90%2.86%2.82%2.82%2.88%2.89%2.88%+6 bps
Efficiency Ratio85.21%83.54%82.47%82.13%86.14%82.06%81.39%79.69%-244 bps
Growth
Asset Growth (YoY)9.82%7.10%14.57%13.98%14.21%8.41%1.53%-2.35%-1,633 bps
Loan Growth (YoY)7.57%8.60%21.08%31.14%22.14%15.03%2.70%-6.83%-3,797 bps
Share Growth (YoY)12.73%12.22%9.75%3.41%3.79%-1.67%-3.32%-3.57%-698 bps
Asset Quality
Delinquent Loans / Loans0.46%0.26%0.26%0.29%0.20%0.26%0.29%0.42%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.70%0.48%0.44%0.45%0.00%0.00%0.00%0.00%-45 bps
Capital
Risk-Based Capital7.98%7.86%7.54%7.36%7.32%7.60%7.71%7.84%+48 bps
Net Worth / Assets7.98%7.86%7.54%7.36%7.32%7.60%7.71%7.84%+48 bps
Liquidity & Funding
Loans / Shares75.90%77.65%84.77%93.53%89.32%90.83%90.05%90.37%-316 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps