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Overview / Commentary
4242 Gigling Rd
Seaside, CA 93955-6300

Central Coast Credit Union is headquartered in Seaside and is the 138th largest credit union in the state of California. It is also the 1,335th largest credit union in the nation. It was established in 1961 and as of March of 2014, it had grown to 34 employees and 10,877 members. Central Coast Credit Union has a A health rating.

Field of Membership Restrictions

Central Coast Federal Credit Union membership is open to all those who either reside, worship, attend school or work in Monterey County, California. Also eligible to join are parents of any students attending a university or college in Monterey County (whether the student is a member or not), regardless of where the parent resides. Relatives by blood or marriage of current active members or persons living in the same household of any active member or employee of the credit union are also eligible to join, regardless of where they reside. There is a one-time $5.00 membership fee to join Central Coast Federal Credit Union. In order to remain an active member, you must maintain a Prime Share Savings account with a minimum balance of $25.00. - 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 Central Coast Credit Union had $71,000 in non-current loans and owned real-estate with $11.74 million in equity and loan loss allowances on hand to cover it. This gives Central Coast Credit Union a Texas Ratio of 0.60% 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 Central Coast Credit Union decreased slightly from 0.72% as of March 31, 2013 to 0.60% as of March 31, 2014, resulting in a positive change of 15.69%.This indicates that the balance sheet and financial strength for Central Coast Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Central Coast Credit Union has increased its total deposits by $2 million, resulting in 1.83% 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 Central 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. Central Coast Credit Union has $121.81 million in assets with $11.74 million in equity, resulting in a capitalization level of 9.64%, which is above average.

Institution Statistics

NCUA #14455
Year Chartered1961
Primary Regulator
Assets and Liabilities
Assets$121.81 million
Loans$44.15 million
Deposits$111.76 million
Equity Capital$9.81 million
Loan Loss Allowance$1.94 million
Unbacked Noncurrent Loans$71,000
Real Estate Owned$0
Historic Data - March 2013
Assets$120.56 million
Equity Capital$10.14 million
Loan Loss Allowance$1.99 million
Unbacked Noncurrent Loans$71,000
Real Estate Owned$55,000
Profit Margin - Quarterly
Net Interest Margin1.16%
Return on Assets0.21%
Return on Equity2.57%
Interest Income$865,000
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Central Coast Credit Union Savings Account Rates

0.30%$100-Roth IRA
0.30%$100-Coverdell ESA
0.30%$100-SEP IRA
0.06%$10k-Christmas Club Account
0.05%$10k-Prime Share Account
0.05%$10k-Sammie Savers Account
0.05%$10k-Surf Zone Account

Central Coast Credit Union Money Market Rates

0.10%$25k-Money Market

Central Coast Credit Union CD Rates

0.60%$5k-36 Month Share Certificate
0.40%$5k-24 Month Share Certificate
0.30%$1k-12 Month Share Certificate
0.20%$5k-7 Month Share Certificate
0.10%$1k-3 Month Share Certificate

Central Coast Credit Union IRA Rates

0.60%$5k-36 Month IRA Certificate
0.40%$5k-24 Month IRA Certificate
0.30%$1k-12 Month IRA Certificate
0.20%$5k-7 Month IRA Certificate
0.10%$1k-3 Month IRA Certificate

Central Coast Credit Union Locations
Branch Office4242 Gigling RdSeaside, CA 93955-6300
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