California Coast Credit Union is a federally insured state-chartered credit union headquartered in San Diego, California, in business for about 97 years. At the end of Q2 2026 it reported $3.5B in total assets and $3.1B in member shares and deposits, with 26 offices.
California Coast Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 33rd. Problem-loan coverage contributes the most (97/100, 1.3%); earnings contributes the least (67/100, 1.16%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (80 → 85), mostly because the earnings component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 80 |
| Q4 2024 | 80 |
| Q1 2025 | 79 |
| Q2 2025 | 80 |
| Q3 2025 | 83 |
| Q4 2025 | 81 |
| Q1 2026 | 77 |
| Q2 2026 | 85 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.73% |
| Q3 2024 | 12.92% |
| Q4 2024 | 13.18% |
| Q1 2025 | 13.02% |
| Q2 2025 | 13.43% |
| Q3 2025 | 13.72% |
| Q4 2025 | 13.72% |
| Q1 2026 | 13.44% |
| Q2 2026 | 13.91% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.17% |
| Q3 2025 | 0.12% |
| Q4 2025 | 0.26% |
| Q1 2026 | 0.24% |
| Q2 2026 | 0.26% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.70% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.65% |
| Q1 2025 | 0.57% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.33% |
| Q2 2026 | 1.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $3.5B | 13.91% | 0.26% | 1.16% | 78.2% |
| Q1 2026 | 77 | $3.5B | 13.44% | 0.24% | 0.33% | 76.5% |
| Q4 2025 | 81 | $3.4B | 13.72% | 0.26% | 0.77% | 76.8% |
| Q3 2025 | 83 | $3.4B | 13.72% | 0.12% | 0.84% | 76.4% |
| Q2 2025 | 80 | $3.4B | 13.43% | 0.17% | 0.62% | 76.6% |
| Q1 2025 | 79 | $3.4B | 13.02% | 0.13% | 0.57% | 74.7% |
| Q4 2024 | 80 | $3.4B | 13.18% | 0.15% | 0.65% | 75.9% |
| Q3 2024 | 80 | $3.4B | 12.92% | 0.10% | 0.71% | 75.5% |
| Q2 2024 | 80 | $3.4B | 12.73% | 0.08% | 0.70% | 73.6% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Provident Credit UnionCredit union Redwood City, CA | 72 out of 100, Strong | $3.6B | 10.9% | 0.07% | vs |
| Premier America Credit UnionCredit union Chatsworth, CA | 41 out of 100, Below average | $3.3B | 9.5% | 1.80% | vs |
| F & a Federal Credit UnionCredit union Monterey Park, CA | 82 out of 100, Strong | $3.2B | 12.6% | 0.36% | vs |
| Orange County'S Federal Credit UnionCredit union Santa Ana, CA | 70 out of 100, Strong | $3.1B | 10.7% | 0.65% | vs |
| Nuvision Federal Credit UnionCredit union Huntington Beac, CA | 70 out of 100, Strong | $4.0B | 12.0% | 0.62% | vs |
| Credit Union of Southern Ca, aCredit union Anaheim, CA | 75 out of 100, Strong | $4.0B | 11.3% | 0.60% | vs |
Deposit insurance
Is my money safe at California Coast Credit Union?
Yes. California Coast Credit Union is a federally insured credit union (NCUA charter #66584). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 2.3% of shares and deposits ($70.1M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 13.91%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
26 locations
Branches
California Coast Credit Union lists 26 offices in 14 cities. Most locations:
- San Diego, CA (11)
- Chula Vista, CA (2)
- Murrieta, CA (2)
- El Cajon, CA (1)
- Encinitas, CA (1)
- Escondido, CA (1)
- La Mesa, CA (1)
- Menifee, CA (1)
- National City, CA (1)
- Oceanside, CA (1)
- Poway, CA (1)
- San Marcos, CA (1)
HMDA 2025
Mortgage lending
In 2025, California Coast Credit Union reported 2,188 home-loan applications under HMDA (LEI 549300O1ESL3X18LPG95): 1,556 originated ($247,330,000 total), 321 denied, and 240 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- California Coast Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 66584
- RSSD ID
- 471196
- Primary regulator
- State + NCUA
- Established
- 1929
- Headquarters
- P.O. Box 502080, San Diego, CA 92150
- Employees
- 563
Quick answers
California Coast Credit Union: common questions
Is California Coast Credit Union NCUA insured?
Yes. California Coast Credit Union is a federally insured credit union (NCUA charter #66584). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is California Coast Credit Union's TellerScore?
85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does California Coast Credit Union have?
26 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near San Diego
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |
| San Diego County Credit UnionCredit union San Diego, CA | 86 out of 100, Very strong | $9.5B | 19.8% | 0.20% | vs |
| Home Bank of CaliforniaBank San Diego, CA | 84 out of 100, Strong | $255.4M | 12.3% | 0.00% | vs |
| Sag-Aftra Federal Credit UnionCredit union Burbank, CA | 81 out of 100, Strong | $335.6M | 13.1% | 0.63% | vs |
| Mission Federal Credit UnionCredit union San Diego, CA | 81 out of 100, Strong | $7.3B | 12.3% | 0.15% | vs |
| Employees Choice Federal Credit UnionCredit union El Cajon, CA | 80 out of 100, Strong | $24.6M | 11.2% | 0.00% | vs |