Side-by-side · Q2 2026 data
Home Bank of California vs California Coast Credit Union
Credit union
California Coast Credit Union
San Diego, California · $1 billion – $10 billion
Metric by metric
| Measure | Home Bank of California | California Coast Credit Union |
|---|---|---|
| TellerScore | 84 | 85 (stronger) |
| Capital cushion | 73 | 89 (stronger) |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 48 | 82 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 86th | 94th |
| Total assets | $255.4M | $3.5B |
| Deposits / shares | $192.2M | $3.1B |
| Capital ratio | 12.27% | 13.91% (stronger) |
| Problem loans | 0.00% (stronger) | 0.26% |
| Net charge-offs | -0.00% (stronger) | 0.18% |
| Return on assets | 2.34% (stronger) | 1.16% |
| Loans ÷ deposits | 121.2% | 78.2% (stronger) |
| Uninsured deposits | 16.6% | 2.3% (stronger) |
| Offices | 1 | 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 84). On the 7 directional measures above (where higher or lower is clearly better), Home Bank of California leads on 3 and California Coast Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.