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Overview / Commentary
2650 Harrison Ave
Eureka, CA 95501

Coast Central Credit Union is headquartered in Eureka and is the 36th largest credit union in the state of California. It is also the 210st largest credit union in the nation. It was established in 1974 and as of December of 2013, it had grown to 161 employees and 58,642 members. Coast Central Credit Union has a A health rating.

Field of Membership Restrictions

Everyone who lives or works in Humboldt, Del Norte, or Trinity Counties is eligible for a Coast Central membership. If you don't happen to fall into one of those categories, however, there are several other ways to qualify you, including: (1) Referral from another credit union; or (2) Referral from an immediate family member who is already a CCCU member; or (3) Student status at Humboldt State University or College of the Redwoods; or (4) Co-op or Grange member status; or (5) Various other factors; please ask us about other possibilities. - See Details

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Coast Central Credit Union had $4.06 million in non-current loans and owned real-estate with $106.03 million in equity and loan loss allowances on hand to cover it. This gives Coast Central Credit Union a Texas Ratio of 3.83% 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 Coast Central Credit Union experienced no significant changes from 3.03% as of December 31, 2012 to 3.83% as of December 31, 2013, resulting in a negative change of 26.10%. This indicates that the balance sheet and financial strength for Coast Central Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Coast Central Credit Union has increased its total deposits by $39.35 million, resulting in 5% 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 Coast Central Credit Union has shown is excellent.



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. Coast Central Credit Union has $999.58 million in assets with $106.03 million in equity, resulting in a capitalization level of 10.61%, which is above average.

Institution Statistics

NCUA #62367
Year Chartered1974
Primary Regulator
Assets and Liabilities
Assets$999.58 million
Loans$445.04 million
Deposits$825.83 million
Equity Capital$102.90 million
Loan Loss Allowance$3.13 million
Unbacked Noncurrent Loans$3.98 million
Real Estate Owned$80,000
Historic Data - December 2012
Assets$971.78 million
Equity Capital$110.24 million
Loan Loss Allowance$4.15 million
Unbacked Noncurrent Loans$3.98 million
Real Estate Owned$168,000
Profit Margin - Quarterly
Net Interest Margin3.94%
Return on Assets0.73%
Return on Equity7.13%
Interest Income$27.40 million
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Coast Central Credit Union Savings Account Rates

0.20%$75k-Liquid Assets Account
0.20%$75k-Business Liquid Assets
0.15%-- Health Savings
0.13%$10k-Membership Savings
0.13%$10k-Special Savings
0.13%--IRA Savings
0.13%--Roth IRA Savings
0.13%--Education IRA Savings
0.13%--SEP IRA Savings
0.13%$10k-Business Membership Savings
0.13%$10k-Business Special Savings
0.12%--Youth Savings
0.10%--Holiday Club

Coast Central Credit Union Checking Account Rates

0.10%--Interest Checking
0.07%--Business Interest Checking
0.07%--Business Commercial Account
0.07%--Business Transfer Account
0.03%--Business Analysis Account

Coast Central Credit Union CD Rates

1.41%$10k-60 Month CD
1.00%$10k-48 to 59 Month CD
0.70%$10k-36 to 47 Month CD
0.45%$10k-24 to 35 Month CD
0.30%$10k-12 to 23 Month CD
0.25%$10k-182 to 364 Day CD
0.15%$10k-90 to 181 Day CD

Coast Central Credit Union IRA Rates

1.41%--60 Month IRA
1.41%--60 Month Roth IRA
1.41%--60 Month CESA
1.41%--60 Month SEP IRA
1.00%--48 to 59 Month IRA
1.00%--48 to 59 Month Roth IRA
1.00%--48 to 59 Month CESA
1.00%--48 to 59 Month SEP IRA
0.70%--36 to 47 Month IRA
0.70%--36 to 47 Month Roth IRA
0.70%--36 to 47 Month CESA
0.70%--36 to 47 Month SEP IRA
0.45%--24 to 35 Month IRA
0.45%--24 to 35 Month Roth IRA
0.45%--24 to 35 Month CESA
0.45%--24 to 35 Month SEP IRA
0.30%--12 to 23 Month IRA
0.30%--12 to 23 Month Roth IRA
0.30%--12 to 23 Month CESA
0.30%--12 to 23 Month SEP IRA

Coast Central Credit Union has 12 locations. Click to view all Coast Central Credit Union locations.