# CALIFORNIA COAST
San Diego, CA · NCUA charter 66584 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/california-coast-66584

Who the members are: state charter, organized 1929. 212,497 members of 21,695,461 potential (1.0% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 51.

**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 | $3.47B |
| Members | 212,497 (1.9% YoY) |
| Full-time staff | 517 |
| Net worth | $466.4M |
| Net worth ratio | 13.4% (p87 of band) |
| ROA (annualized) | 0.33% (p17 of band) |
| Total delinquency | 0.24% (p10 of band) |
| Net charge-offs (annualized) | 0.18% (p13 of band) |
| Loans / shares | 76% (p25 of band) |
| Cash / assets | 12.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.32% (p50 of band) |
| Operating expense / assets | 4.01% (p86 of band) |
| Vehicles % of loans | 33% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 64% |
| Third-party paper % of net worth | 106% (p41 of band) |
| Vehicle delinquency | 0.09% (p3 of band) |
| Vehicle NCO | 0.20% (p5 of band) |
| Repossessed % of vehicle book | 0.01% (p24 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 57% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 32% |
| Average share balance | $6,522 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $11.6M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $21,720 |
| Loans granted, annualized | $822.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $11.6M outstanding purchased (2.5% of net worth), $2.2M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.3% 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 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | loans>95% of shares |  |
| 2020-03 | 2 | leaning on borrowings | loans>95% of shares |
| 2020-06 | 1 |  | leaning on borrowings |
| 2020-09 | 1 |  |  |
| 2020-12 | 3 | net worth falling, loan book shrinking |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | loan book shrinking |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 2 | assets shrinking | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 | delinquency rising | 3rd-party paper>100% NW |
| 2026-03 | 2 | 3rd-party paper>100% NW |  |

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

- 2026-04-07 [Partnership with California Coast Credit Union Provides Revenue for Critical Programs - Inside San Diego](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOYWl2Q3pfV01KTTljVThWdnVqVGJabWowamppQ19tbmxqUjNMeDZMdjB2RGpiTjRnaHZLblRJQ1Q2YTJwTzlqNFFET0RwT3FqSXRUY2xoUl9QbEhQR09sOWY1RXIyMDdIeHRxRFV0QWpaSUJ6M1llYmZjQWl6SDVwNlh2QW43SVBYcG1uaW1sTHBGMkl0ZWhJR25tOGxKclBkVUh1VEtqNkhpUDg?oc=5) · Inside San Diego
- 2026-01-27 [Stay Classy, San Diego: Corporate Governance Turned Asunder at Cal Coast Credit Union - Yahoo Finance](https://news.google.com/rss/articles/CBMigwFBVV95cUxPN2Y4MXYxd3h4X2lqX2daNHRTdzZuSERjeXR3V3ROT25RaktrYUh4SXh1QzNtcEhTYkNENDNQWldCVVNIZ3ZrMzczbVBnSUNEaUVKeEdhV21fNjNXRDJqcG9jSGlqY3BnbGhlNE5rbGhmSHZkMEltbnluZjV4R2p5Wm9wUQ?oc=5) · Yahoo Finance
- 2026-06-26 [Cal Coast Credit Union Names Nathan Phan SVP of Finance and Accounting - PR.com](https://news.google.com/rss/articles/CBMiUEFVX3lxTFAxeVpzeEl6amZrVm9pTmF0LTNHbUVfUXJZVUx6TV9xTHBDU2tzUkw4RUZZVzAtZTRuTm1XODlaVDhtMTh5c0ZQaVN1eXhUTDNX?oc=5) · PR.com
- 2026-05-01 [Judge to San Diego credit unions: Court will not force merger - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMirgFBVV95cUxQa2wwX1BiZ1VXa0dTRndYT1ZaWFdyVGFVaS1oeXdleXU0UkxHREM0QWxCOC1OZHhjalB4VWhpc1FfNngyWjNRVklocWZ4NU54MXVOX2dHVFA0aEpNRlN3U1VpajhLZ0prVVFocGZXdGNLMFRmVXFiT2lCOTdWSmNpY0U1QUljZTJiMkVVLWEteG5IcUxwXy1kcVdPbzdLTUJzZGRYemZaSG9JelZVZmc?oc=5) · San Diego Union-Tribune
- 2025-12-11 [National University Awards 2025 City of San Diego/National University Professional Development Scholarships - nu.edu](https://news.google.com/rss/articles/CBMizAFBVV95cUxOcUdEWnh4LWhpemdIV3JDSWhBTTZiTDRCMW1sME1mRmhuQVE1dVlfaWxWRXNXUkg0ZV9Wd0syWF9zNTVHZTZua3gxQkVTY1VCVmhMbXhxcXlWY2RYeGRHS21sd2JnNWFmdDdMNDZMSlBoYlpFaVJ0LTdVRG9QY2U3d1ZwMVQxNTU1SWFhc3NhamxmOVRYTGtNU3ZzUUktZktVMWJDTEFpQWpHcEg2UEdCVVYxU1J5V2ZSbWlOckpESHpZODh3WkNWWGw0RUQ?oc=5) · nu.edu
- 2026-01-08 [Merger between Cal Coast Credit Union and SDCCU in dispute - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOX0J4ZnVkTXI5UEVfY3lTMGI2TklLSXZfbWN1YjFObWhPYUd2YmpDYlJ1Y2ZwZ0xUS3hieldNVW0wVW0teEV5UlBSRnBGQVd3SUh6WUNLbXpmeFc3eDdULWxLYUMyaHFNV1NNSk5JRVJ5bmhCdGsxMHVMSVVCQ29aLWZrbXJvRHVidlZrSmZnUHgwNHBZS2VOZFItMVB2aDY5VEp5SmVQTzQ4OVU?oc=5) · San Diego Union-Tribune
- 2024-07-23 [California Coast Credit Union empowers financial futures - San Diego State University](https://news.google.com/rss/articles/CBMifEFVX3lxTE9vNXpWVnB6WC1MMU93aG90SmRJQmpQaTBhd0hVNDMxYS1IMlgyOXpMX2E3NlNDcFlMWnFQUlctQWl6UHg5Ykd2U041UWN3NG1nWXpZbFhfaGp1VW1aSEZBNmNmNU5CVHA3Yzg3LVJpX25PdFJOS3VYcUNjc2g?oc=5) · San Diego State University
- 2026-06-08 [Cal Coast Credit Union Names Antonia Luna as Chief Operating Officer - PR.com](https://news.google.com/rss/articles/CBMiUEFVX3lxTE9HMzA5Q3hoNTRKWWNickhSMnczNTlXTFVjODVUc0w0UkZrN0ZMZUR4Q29JT1pHZy1vZ1hveVNITVRKQ2NXNUF1alZ2dFJVcXRV?oc=5) · PR.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66584 (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/24.json (key "66584", 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=66584
- 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