COASTHILLS
Charter #24957 · Santa Maria, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.99% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of -0.18% sits at the 5th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.41% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 82.00% sits at the 79th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 31st — a 30-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | COASTHILLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.77B | 40th pct | 57th pct |
| Members | 83,931 | 31th pct | 49th pct |
| Net worth ratio | 7.99% | 2th pct | 10th pct |
| Return on average assets | -0.18% | 2th pct | 5th pct |
| Net interest margin | 3.52% | 61th pct | 31th pct |
| Cost of funds | 1.67% | 44th pct | 51th pct |
| Loan-to-share | 86.03% | 48th pct | 43th pct |
| Delinquency 60+ days | 0.59% | 46th pct | 30th pct |
| Net charge-off ratio | 1.41% | 95th pct | 85th pct |
| Loan growth YoY | 0.11% | 29th pct | 36th pct |
| Share growth YoY | 1.19% | 11th pct | 10th pct |
| Efficiency ratio | 82.00% | 83th pct | 79th pct |
structural peer set hash: 904cef388f6d43358ff576e040cc589d… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.