# COASTHILLS
Santa Maria, CA · NCUA charter 24957 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/coasthills-24957

Who the members are: federal charter, multiple common bond, organized 1958, low-income designated. 83,931 members of 2,056,706 potential (4.1% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.77B |
| Members | 83,931 (4.6% YoY) |
| Full-time staff | 271 |
| Net worth | $140.6M |
| Net worth ratio | 8.0% (p3 of band) |
| ROA (annualized) | -0.18% (p2 of band) |
| Total delinquency | 0.59% (p47 of band) |
| Net charge-offs (annualized) | 1.40% (p96 of band) |
| Loans / shares | 86% (p49 of band) |
| Cash / assets | 9.4% |
| Borrowings / assets | 6.34% |
| Net interest margin | 3.53% (p63 of band) |
| Operating expense / assets | 3.77% (p78 of band) |
| Vehicles % of loans | 35% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 76% |
| Third-party paper % of net worth | 281% (p82 of band) |
| Vehicle delinquency | 1.07% (p81 of band) |
| Vehicle NCO | 2.64% (p93 of band) |
| Repossessed % of vehicle book | 0.58% (p98 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 168% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 34% |
| Average share balance | $9,399 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $70.3M |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $23,362 |
| Loans granted, annualized | $403.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $70.3M outstanding purchased (50.0% of net worth), $10.2M sold and retained. Sold in 2 and bought in 0 of the last 8 quarters. Shares 0.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2024-03 | 5 | thin capital, losing money, repo signal, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 4 |  | losing money |
| 2025-03 | 6 | delinquency 2x band, delinquency rising |  |
| 2025-06 | 6 |  |  |
| 2025-09 | 4 |  | delinquency 2x band, delinquency rising |
| 2025-12 | 3 |  | repo signal |
| 2026-03 | 6 | losing money, charge-offs p90, repo signal |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-14 [CoastHills Credit Union welcomes Chris Turnley as Chief Operating Officer - CUInsight](https://news.google.com/rss/articles/CBMitAFBVV95cUxPSy0tNS0zbXM0aWYtNDFxem1ESFJmLVVSdXh0Y2R2em5DT19pd2JucGlBRnEtRThwUTNBcDJIOE5KU2t0NHdzNzJGNDRRaU1rUUp0OHAyRHk5b0dYVDI2Z3pFM3ZtQ01lT21JdmtfcWtfekhLR0VwM2tQdm5pS0dNNEZvRU53TzBjT1JuZ1NobVNUS3pmcUc1bTY5aWlHdnB3THRoYjA2MnFDZDRqWjhxbWs1Yzc?oc=5) · CUInsight
- 2026-01-05 [Future for Lompoc Youth Celebrates $80,000 Donation with Check Presentation from CoastHills Credit Union for 2025 Rancho Vino Fundraiser - The Santa Barbara Independent](https://news.google.com/rss/articles/CBMihAJBVV95cUxOSUFxalF6QXdGMDEwdXNfdklsQ3dfaS1neEJzX0ZmdDF0RHh4ajVKTXNoQTh5azBtOE81WXdya05PcVJtblVxVUh1TTRPekd5dURrdGdMVWI0VDdZMnNlbE1kb1BJa1h6dmNNV09KOFVFSU1VbjZETUlqQUZjQ3pRUDNPNnJDejRkR1pSc2dhbFQ4UWNLMGZIcW14endmenR6M25PSzl6aEhEOUFXVzVjeXMtN3dzRWNUNVl0Zk9kZkVEYUQ4X0FGT2R3MkRCeXRjVkdYTjhNRC1zRTh3VHJnXzZvV2ZWT3JlQURFYVBJbVFOTkdENlQwX1FhZVhENmJVeklwMg?oc=5) · The Santa Barbara Independent
- 2026-08-24 [CoastHills Credit Union backs higher education with $20,000 in scholarships to Cuesta College and Allan Hancock College Students - CUInsight](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQMnQ1QkFUbFVsalJVdkhvVGpfSjJ2dFpDVE1xMTRIXzJDZU8yR2JzYjZnajF4NFZ4R2NUSndENVB0VGotb09OOHI4VlBwNm9vZmUwYlgwZlFzNEVwcHhkc1NSTnIwYnBnVHpOSFBham1PTzVfMVBJVG5jTlFKd1dFR1ZmQ2g2bUpBeFFOU25ydGxTYkFfbGZ2R1VEaGpFU1NHT09DRWJ4MzQ1bDhQaDlfdlhGZWZRbXJ3b1hDZURhUFpFaWczdk9xaFVLVFJwbzN6QmpMX2dIQ25KZHc5b2tPT1dmTTVtT3dlaUF2MU5ZX3F6S3o3OFJtRDdIOA?oc=5) · CUInsight
- 2020-04-06 [CoastHills officials: Lompoc Valley branches will remain open, even after corporate move to Santa Maria - lompocrecord.com](https://news.google.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?oc=5) · lompocrecord.com
- 2020-10-13 [Police investigating robbery at Lompoc credit union - KSBY News](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbDZaamR5YWFPbjgwcnR5SVNZamdkaGwtWVJxeHVNUVgtZEFFZmZTN1I4VmplUnRpcHM3NXR1eUVSRHFsaWFaYVJpWUYzenRGN0NXYWNJMjBrMnpkajZPSEs5QkdsNTJzcmpoVVJxNThTOWF4S01jMlE2ZTZaTGlwenpjVUh3akZkcU56NWJrMzVaQQ?oc=5) · KSBY News
- 2020-11-18 [Lompoc Police investigating bank robbery at CoastHills Credit Union - santamariatimes.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxNOFJaaUEwTUR2TjlFRmVhWWJyend2ejg5RHp6MkdHRFBZeXNjVjhZa242Y0FZQVVScWNSQ0tHOXN0TFR1WElGdW5oTVdCVXBmLVFTaC1jYjVwVDZPdUkzTHJUUk5Cdm5xTk5wY2lZQzhEZFJEdWQyM0U1THRWblV5elg4LTdKR2J3UmFJQm5IdTBuT1hVRGNVOEROdTlIczZEeEFBT2pEM0JONnhBRE5ROW1TUDFsMkhVTm5yQzhTTDBjZ2xURWFIMDM4UktxdWtSUGxTUWxDcUZWVTRuUm1fTFhUN0NpWkY3a3lYeDNJUHR0c2NMWllSTFRDQUM0TDlKWXBJ0gGIAkFVX3lxTE1VRkc0Z0lONEFvOUg1eUhuRzF5c3g0bGJLVGhkUjVyakxKZ0Z6N3VmNU1CaG45SkRZcG1LbURUVFJqNjB6SFFoREN5ck1Rc3pDcXdoSWRxTDB5V09xRmQxdXhpVjladWM5eXBBSU9zaU1uaThOdXI5SEozRko4Y1BDbEhJOERrbW16cmg0OEg0UlhFcG5UQXBIcnNwZlYtTkVVOHg5ZnNZNXpzUUFtQTF1TUotV2RxN0QzS3hkR2RRUFZoR2UyZFBhOS13RGdiVWNwejVCdkZfbm8yVVhxd09CQUtub2RVUUs2X0Y2VW5WaTBFUDRGanltSDJUZ1pZeWRvd1hOS3Npbw?oc=5) · santamariatimes.com
- 2025-07-24 [CoastHills Credit Union appoints James Ledford as president and CEO - CUInsight](https://news.google.com/rss/articles/CBMirAFBVV95cUxOaUtaUUpRZEtkdjRRcTd1UWtKbklWUWRaVjRPS2tfaFl2Z1ZrLXlJd1JKZ2RCSHQ4M0hrbU56Wk5rX0dmWkM3ZDB6dExMOTduR2hhaFdCQnl4VUpVT24zdGxVdmF3SGk4MmFaTnpNdXJwYTRxX2U0ckJOcUtjMnE4X0VtRHZnblZTZWo2TGpsYjdSUUpGX0k0MzdtZWJ5eEtBenhjZG15NmZTODE2?oc=5) · CUInsight
- 2017-08-22 [CoastHills Credit Union robbery suspect identified as Nipomo man - santamariatimes.com](https://news.google.com/rss/articles/CBMi_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?oc=5) · santamariatimes.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24957 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/61.json (key "24957", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24957
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide