Side-by-side · Q2 2026 data
Legacy Bank vs California Coast Credit Union
Credit union
California Coast Credit Union
San Diego, California · $1 billion – $10 billion
Metric by metric
| Measure | Legacy Bank | California Coast Credit Union |
|---|---|---|
| TellerScore | 38 | 85 (stronger) |
| Capital cushion | 33 | 89 (stronger) |
| Loan quality | 46 | 91 (stronger) |
| Earnings | 0 | 67 (stronger) |
| Funding & liquidity | 59 | 82 (stronger) |
| Problem-loan coverage | 77 | 97 (stronger) |
| Peer percentile | 2nd | 94th |
| Total assets | $112.8M | $3.5B |
| Deposits / shares | $101.6M | $3.1B |
| Capital ratio | 8.29% | 13.91% (stronger) |
| Problem loans | 1.61% | 0.26% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.18% |
| Return on assets | -2.01% | 1.16% (stronger) |
| Loans ÷ deposits | 74.7% (stronger) | 78.2% |
| Uninsured deposits | 39.4% | 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 38). On the 7 directional measures above (where higher or lower is clearly better), Legacy Bank leads on 2 and California Coast Credit Union on 5. 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.