Side-by-side · Q2 2026 data
HCN Bank vs California Coast Credit Union
Credit union
California Coast Credit Union
San Diego, California · $1 billion – $10 billion
Metric by metric
| Measure | HCN Bank | California Coast Credit Union |
|---|---|---|
| TellerScore | 79 | 85 (stronger) |
| Capital cushion | 67 | 89 (stronger) |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 27 | 82 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 75th | 94th |
| Total assets | $998.4M | $3.5B |
| Deposits / shares | $846.3M | $3.1B |
| Capital ratio | 11.70% | 13.91% (stronger) |
| Problem loans | 0.00% (stronger) | 0.26% |
| Net charge-offs | 0.00% (stronger) | 0.18% |
| Return on assets | 2.22% (stronger) | 1.16% |
| Loans ÷ deposits | 91.7% | 78.2% (stronger) |
| Uninsured deposits | 52.5% | 2.3% (stronger) |
| Offices | 7 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.5% |
California Coast Credit Union has the higher TellerScore (85 vs 79). On the 7 directional measures above (where higher or lower is clearly better), HCN Bank leads on 3 and California Coast Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.