# COAST CENTRAL
Eureka, CA · NCUA charter 62367 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/coast-central-62367

Who the members are: state charter, organized 1974. 80,982 members of 175,031 potential (46.3% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.32B |
| Members | 80,982 (2.2% YoY) |
| Full-time staff | 255 |
| Net worth | $273.7M |
| Net worth ratio | 11.8% (p68 of band) |
| ROA (annualized) | 0.81% (p59 of band) |
| Total delinquency | 0.53% (p41 of band) |
| Net charge-offs (annualized) | 0.18% (p13 of band) |
| Loans / shares | 55% (p4 of band) |
| Cash / assets | 16.4% |
| Borrowings / assets | 0.95% |
| Net interest margin | 2.28% (p5 of band) |
| Operating expense / assets | 2.16% (p8 of band) |
| Vehicles % of loans | 21% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 88% |
| Third-party paper % of net worth | 126% (p46 of band) |
| Vehicle delinquency | 0.34% (p20 of band) |
| Vehicle NCO | 0.94% (p49 of band) |
| Repossessed % of vehicle book | 0.03% (p35 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 124% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 31% |
| Average share balance | $11,093 |
| Participations bought / yr | $40.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $298.8M |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $37,044 |
| Loans granted, annualized | $267.0M |

## Participation posture (from the same filings)

Bought $40.0M and sold $0 in the latest annualized quarter; $298.8M outstanding purchased (109.2% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 4.1% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 | net worth falling | leaning on borrowings |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | delinquency rising, leaning on borrowings |  |
| 2018-06 | 0 |  | delinquency rising, leaning on borrowings |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze, leaning on borrowings |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | leaning on borrowings |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising, 3rd-party paper>100% NW | net worth falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 | assets shrinking | delinquency rising |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | delinquency 2x band, delinquency rising | assets shrinking |
| 2023-06 | 2 |  | delinquency 2x band |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 2 | net worth falling | delinquency rising |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 | delinquency rising | net worth falling |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency rising |  |

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

- 2026-04-06 [Coast Central Credit Union warns residents about new wave of scam calls - krcrtv.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxORW96c0IwUGh6REp1TjNiQ2UxblhTUHdDWnV2cFpYbUVsYUFIMm9HeE5ncWNFUmtQRlFoejhpS2oydWFZSS0zQWZGUHVtNDJ6dW41b2cyTjh3dlc5YVdIWjMydkppZ1E3U3lUeGpBZm1YS2FQcDFONERxak9TN1hGZTNTZS1sejJwSXFlMEJXdnJnVkhtNkg1UTRvbFJTamg3dGo2YTVGeTJXSTIzUlVkMWM0UTM0bVk5V2tzUExxRVFCWXc?oc=5) · krcrtv.com
- 2026-08-16 [Coast Central Credit Union Welcomes Jesse Leavitt as New CFO - Redheaded Blackbelt](https://news.google.com/rss/articles/CBMilwFBVV95cUxNb0pYYUpYdGl1T3RGVVR0eE5vcUFjTXNMQ3Q2Z1RIY2NmU2xuZGZ0c0xZU1k2Nms0ZHJMdXZ1STZtYnFaeDB2X0Q5UWZFSTk2My1MQk1VTG96MDZBdXFhaE1wVTBYWm8wT2dKMEhnNFItXzVwbWZCbW1nSjN4Z255NG9PNFdGRWIzbzdtb1VlMXo4S216eGJJ?oc=5) · Redheaded Blackbelt
- 2026-03-11 [Coast Central Credit Union Selects Access Softek’s Access Digital to Create a Digital-First Banking Experience - fintechfutures.com](https://news.google.com/rss/articles/CBMi7AFBVV95cUxOdmhqT3MxVnVBNUtCRDZITVBJOTE0c0V4Tko4Ul9qT1FmM3FBTDVPMkNTZktyUWNQY0E2MzNuX0RUQWQ2bllPcUdVYnBGUEw1T29BVWVWaEZEajBIaUdtTTJNS003QnpSZWxHVlpVcHJveUtHQnZMZW9Fa2RscmU0ZUFDamE1YlA4aEd6TWRRUWNNXzB6ZThwOHBVaGF5NTByV3pRVWtzMTNZd0FJM0duSUotaVVuTWc3bE1mVE9DNzE4LTVkZkxnOUV6QXZja0RIdGozTVJCSE1fdVBaYjYtLXdteko0THVJeGhJRQ?oc=5) · fintechfutures.com
- 2026-08-03 [Coast Central Credit Union Launched Fall 2026 Grants Round August 1 - Redheaded Blackbelt](https://news.google.com/rss/articles/CBMioAFBVV95cUxOQnU1X3ZjRDRfRER6YmdKUV84d3Itb0Q5SDlsVEdkdUxuQjhxNXhNaDJXU2J2WFMtakxkQ0J3Z1M3YnlfRVJlenNQd3FIdjRObDI4a0toUF9NUmNVdWlsZV9ZcVJGdUd3ZlNaRUFUb1QxMDNTY2dodV9zX2NodGU3TnhKVjZTSzVVUDRMeEYyYUJDc0M4cnhOSmJGNThrTFNz?oc=5) · Redheaded Blackbelt
- 2025-09-09 [Coast Central Credit Union Unveils New Logo and Slogan - Lost Coast Outpost](https://news.google.com/rss/articles/CBMilgFBVV95cUxQNDI1X0hDSVE4RGphczlfRWtiSjk0LWVOS2V6TjNSRG5wZWZmWDlGV01uOENvSmp2V0syWmtGeEdILVMwTlRrajRXOFJPSVYtTmpCcjBxbkd0ZXhrbF96cU5OUDktdHpzUllYNFF2dUhrOF95Tnh0c1BCb3Z3TVZ2QVd1TUNtMzVZQllnNDNRUS13ZDJNRUE?oc=5) · Lost Coast Outpost
- 2024-04-25 [Credit Union Smishing Scam - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1sQm9Cc3lGVjNacTVlYWlxaUdqT29VM0xYaGhEMkZrU3NZenVBRnM3NnprbVhKakwyT0h5MUZZWGZINE5ZbFkwSHJLeGx2YVJfemdSbUpLbHlnbkxUSms4NWNTcw?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2024-06-18 [Coast Central Credit Union opens doors following Fortuna remodel - Times-Standard](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQbkdZaHBDVmJveUtjLW9NX0FmUFlFM2tPVkFZUWUtS2xFNGJxaktRM0tBREhJNUV3Vm5tQmIzV0NzSFU0LVBTWnd1dHBBUWpsU0FSd3ZzNE1XMkQ4VloxT29JWHgtb25xdlFaa2Q4LTdXNzhkYnluRU56Ml9XOGJuVm5QdmtBRUxCYl9VUndhcVIyeVphOU82WFQ5SW02OTRPaXYwZE9USjRMMG8?oc=5) · Times-Standard
- 2025-09-09 [Coast Central Credit Union celebrates 75 years with new logo, donation, and time capsule - krcrtv.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxQLTB4SDBGeGNHYl9fNXN1SC1Dc3lHcGdyUXpuM1p1QzBrU25TVF81cHJzS1pCc3RBREh0bkdMQ2Zic1VIT0V3SjgtRml4Q21vem9jekZlem1IaThUaThNUnczbkNSRFdBMjRKUzU3SDRGaFZPR2w3WjY5WHdkS1dhQm1lTTBnZ3RUVVMzTEJVTE02a0VuMGRHbWs4OWtoVElvTFVybEswOFRVM3VGUmlN?oc=5) · krcrtv.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62367 (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/31.json (key "62367", 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=62367
- 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