COAST CENTRAL
Charter #62367 · Eureka, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.30% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.89% sits at the 80th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 61st — a 33-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 | COAST CENTRAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.32B | 51th pct | 67th pct |
| Members | 80,982 | 28th pct | 61th pct |
| Net worth ratio | 11.79% | 68th pct | 57th pct |
| Return on average assets | 0.82% | 58th pct | 67th pct |
| Net interest margin | 2.30% | 5th pct | 15th pct |
| Cost of funds | 1.89% | 54th pct | 80th pct |
| Loan-to-share | 54.77% | 4th pct | 16th pct |
| Delinquency 60+ days | 0.53% | 40th pct | 64th pct |
| Net charge-off ratio | 0.18% | 13th pct | 33th pct |
| Loan growth YoY | 5.40% | 85th pct | 93th pct |
| Share growth YoY | 2.07% | 18th pct | 27th pct |
| Efficiency ratio | 70.43% | 42th pct | 28th pct |
structural peer set hash: 79b94754f6fc642247dd765fa55c1eda… (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.