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9201 Spectrum Center Blvd
San Diego, CA 92123-1407

California Coast Credit Union is headquartered in San Diego and is the 18st largest credit union in the state of California. It is also the 98th largest credit union in the nation. It was established in 1929 and as of March of 2014, it had grown to 424 employees and 125,544 members. California Coast Credit Union has a A health rating.

Field of Membership Restrictions

Membership is open to anyone living or working in San Diego and Southern Riverside Counties. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 California Coast Credit Union had $8.46 million in non-current loans and owned real-estate with $217.29 million in equity and loan loss allowances on hand to cover it. This gives California Coast Credit Union a Texas Ratio of 3.89% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for California Coast Credit Union decreased slightly from 4.96% as of March 31, 2013 to 3.89% as of March 31, 2014, resulting in a positive change of 21.55%.This indicates that the balance sheet and financial strength for California Coast Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, California Coast Credit Union has increased its total deposits by $35.38 million, resulting in 2.23% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth California Coast Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. California Coast Credit Union has $1.85 billion in assets with $217.29 million in equity, resulting in a capitalization level of 11.78%, which is excellent.

Institution Statistics

NCUA #66584
Year Chartered1929
Primary Regulator
Assets and Liabilities
Assets$1.85 billion
Loans$992.55 million
Deposits$1.62 billion
Equity Capital$203.76 million
Loan Loss Allowance$13.54 million
Unbacked Noncurrent Loans$4.75 million
Real Estate Owned$3.72 million
Historic Data - March 2013
Assets$1.79 billion
Equity Capital$182.96 million
Loan Loss Allowance$22.39 million
Unbacked Noncurrent Loans$4.75 million
Real Estate Owned$7.02 million
Profit Margin - Quarterly
Net Interest Margin1.02%
Return on Assets1.15%
Return on Equity10.45%
Interest Income$11.93 million

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California Coast Credit Union Savings Account Rates

0.15%$50-Holiday Saver Certificate
0.15%$50-Summer Certificate
0.05%$1k-Smart Savings
0.05%$50-Primary Savings
0.05%$50-IRA Savings
0.05%$50-Business Savings
0.05%$50-Roth IRA Savings
0.05%$50-SEP IRA Savings
0.05%$50-CESA Savings

California Coast Credit Union Money Market Rates

0.10%$25k-Money Market Index
0.10%$10k-Money Market Savings
0.10%$25k-Business Money Max Index
0.10%$10k-Business Money Market

California Coast Credit Union Checking Account Rates

0.10%$500k-Ultra Performance Checking
0.10%$95k-Business Interest Checking
0.05%$50-Dividend Checking

California Coast Credit Union CD Rates

1.05%$50k-5 Year Certificate
1.05%$50k-5 Year Business Certificate
0.80%$50k-4 – 5 Year Certificate
0.80%$50k-4 – 5 Year Business Certificate
0.60%$50k-3 – 4 Year Certificate
0.60%$50k-3 – 4 Year Business Certificate
0.45%$50k-2 – 3 Year Certificate
0.45%$50k-2 – 3 Year Business Certificate
0.30%$50k-1 – 2 Year Certificate
0.30%$50k-18-Month Bump Rate Certificate
0.30%$50k-1 – 2 Year Business Certificate
0.30%$50k-18-Month Bump Rate Business Certificate
0.25%$50k-6 – 12 Month Certificate
0.25%$50k-6 – 12 Month Business Certificate
0.20%$50k-3 – 6 Month Certificate
0.20%$100$3k3 Month – 2 Year Youth Certificate
0.20%$50k-3 – 6 Month Business Certificate
0.10%$1k-11-Month Liquid Certificate
0.10%$1k-11-Month Liquid Business Certificate

California Coast Credit Union IRA Rates

1.05%$50k-5 Year IRA Certificate
0.80%$50k-4 – 5 Year IRA Certificate
0.60%$50k-3 – 4 Year IRA Certificate
0.45%$50k-2 – 3 Year IRA Certificate
0.30%$50k-1 – 2 Year IRA Certificate
0.30%$50k-18 Month Bump Rate IRA Certificate
0.25%$50k-6 – 12 Month IRA Certificate
0.20%$50k-3 – 6 Month IRA Certificate

California Coast Credit Union has 23 locations. Click to view all California Coast Credit Union locations.