TellerScore

Headquartered in Santa Maria, California, Coasthills Federal Credit Union is a federal credit union with $1.8B in total assets and $1.5B in member shares and deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1958.

Coasthills Federal Credit Union has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 218th. Problem-loan coverage contributes the most (83/100, 8.4%); earnings contributes the least (19/100, -0.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion30/100
Net worth ratio: 8.00%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.67%
Earnings19/100
Return on assets (annualized): -0.02%
Funding & liquidity72/100
Loans ÷ shares: 88.4% · 5.6% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.36%

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 (46 → 51), mostly because the loan quality component improved by 25 points.

TellerScore
465054Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202453
Q4 202453
Q1 202546
Q2 202546
Q3 202554
Q4 202554
Q1 202651
Q2 202651
Net worth ratio
7.00%7.50%8.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.57%
Q3 20247.62%
Q4 20247.58%
Q1 20257.64%
Q2 20257.84%
Q3 20257.95%
Q4 20257.99%
Q1 20267.99%
Q2 20268.00%
Delinquent loans (60+ days)
0.40%0.90%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20240.43%
Q4 20240.52%
Q1 20251.32%
Q2 20251.40%
Q3 20250.62%
Q4 20250.68%
Q1 20260.59%
Q2 20260.67%
Return on assets
-0.18%0.05%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.07%
Q3 2024-0.01%
Q4 20240.02%
Q1 20250.24%
Q2 20250.23%
Q3 20250.25%
Q4 20250.29%
Q1 2026-0.18%
Q2 2026-0.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$1.8B8.00%0.67%-0.02%88.4%
Q1 202651$1.8B7.99%0.59%-0.18%86.0%
Q4 202554$1.8B7.99%0.68%0.29%86.1%
Q3 202554$1.8B7.95%0.62%0.25%87.0%
Q2 202546$1.8B7.84%1.40%0.23%87.2%
Q1 202546$1.8B7.64%1.32%0.24%85.6%
Q4 202453$1.8B7.58%0.52%0.02%86.7%
Q3 202453$1.8B7.62%0.43%-0.01%87.4%
Q2 202453$1.8B7.57%0.40%-0.07%86.5%

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).

Capital ratio8.00%
3rd
Problem loans0.67%
51st
Net charge-offs1.39%
4th
Return on assets-0.02%
2nd
Loans to deposits88.4%
49th
Uninsured deposits5.6%
84th
Loan-loss reserves0.00%
50th
Texas ratio8.4%
21st

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Frontwave Credit UnionCredit union Oceanside, CA62 out of 100, Moderate$1.7B9.1%0.81%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Keypoint Credit UnionCredit union San Jose, CA59 out of 100, Moderate$1.7B9.1%0.36%vs
Northrop Grumman Federal Credit UnionCredit union Gardena, CA53 out of 100, Below average$1.6B9.1%1.62%vs
San Francisco Federal Credit UnionCredit union San Francisco, CA86 out of 100, Very strong$1.6B13.6%0.15%vs
Bay Federal Credit UnionCredit union Capitola, CA71 out of 100, Strong$1.9B9.8%0.31%vs

Deposit insurance

Is my money safe at Coasthills Federal Credit Union?

Yes. Coasthills Federal Credit Union is a federally insured credit union (NCUA charter #24957). 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 5.6% of shares and deposits ($83.4M) 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 8.00%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Coasthills Federal Credit Union lists 9 offices in 7 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Coasthills Federal Credit Union
Type
Federal credit union
NCUA charter #
24957
RSSD ID
127587
Primary regulator
NCUA
Established
1958
Headquarters
P. O. Box 8000, Santa Maria, CA 93456
Employees
312

Quick answers

Coasthills Federal Credit Union: common questions

Is Coasthills Federal Credit Union NCUA insured?

Yes. Coasthills Federal Credit Union is a federally insured credit union (NCUA charter #24957). 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 Coasthills Federal Credit Union's TellerScore?

51 out of 100 (Below average), 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 Coasthills Federal Credit Union have?

9 offices as of the latest NCUA data.