CALIFORNIA COAST
Charter #66584 · San Diego, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.44% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.34% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 0.93% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.24% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.18% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
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 | CALIFORNIA COAST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.47B | 70th pct | 70th pct |
| Members | 212,497 | 74th pct | 74th pct |
| Net worth ratio | 13.44% | 86th pct | 85th pct |
| Return on average assets | 0.34% | 17th pct | 13th pct |
| Net interest margin | 3.36% | 50th pct | 46th pct |
| Cost of funds | 0.93% | 19th pct | 11th pct |
| Loan-to-share | 76.46% | 25th pct | 31th pct |
| Delinquency 60+ days | 0.24% | 10th pct | 10th pct |
| Net charge-off ratio | 0.18% | 12th pct | 7th pct |
| Loan growth YoY | 3.33% | 69th pct | 70th pct |
| Share growth YoY | 3.22% | 34th pct | 37th pct |
| Efficiency ratio | 92.54% | 98th pct | 97th pct |
structural peer set hash: 2ae2a48e1fd2360431a38023ae46d78b… (reproducible)
Closest structural peers
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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.