CoastHills FCU

1320 North H Street
Lompoc, CA 93438
(800) 262-4488
www.coasthills.coop

Products & Rates
Health
Reviews

See Rates for: Checking | Savings | Money Market | CD | IRA

Checking Accounts

Apy	Min	Max	Product
2.02%	-	$50k	Super Ready Checking
1.00%	$50k	-	Advantage Business Checking
1.00%	$50k	-	B-Plus Checking
0.10%	$25k	-	Ready Plus Checking

Savings Accounts

Apy	Min	Max	Product
1.00%	-	-	Health Savings Account
0.10%	$25k	-	Basic Shares
0.10%	$25k	-	EDGE
0.10%	$25k	-	Business Shares
0.10%	$25k	-	Teen Scene
0.10%	$25k	-	Sammy Savers
0.10%	$25k	-	Special Shares
0.10%	$25k	-	Trust Account
0.10%	$25k	-	Holiday Savings
0.10%	$25k	-	IRA Savings
0.10%	$25k	-	Roth IRA Savings

Money Market Accounts

Apy	Min	Max	Product
0.10%	$25k	-	Classic Money Market
0.10%	$25k	-	Index Money Market
0.10%	$25k	-	Anniversary Money Market

Certificates of Deposit

Apy	Min	Max	Product
2.50%	$100k	-	60 Month Share CD
2.50%	$100k	-	60 Month Share CD Collegiate Certificate
2.46%	$500	$50k	60 Month Share CD - Platinum
2.46%	$100	$50k	60 Month Share CD - Platinum Collegiate Certificate
2.30%	$500	$50k	60 Month Share CD - Gold
2.30%	$100	$50k	60 Month Share CD - Gold Collegiate Certificate
2.15%	$100k	-	48 - 59 Month Share CD
2.15%	$100k	-	48 - 59 Month Share CD Collegiate Certificate
2.10%	$500	$50k	48 - 59 Month Share CD - Platinum
2.10%	$100	$50k	48 - 59 Month Share CD - Platinum Collegiate Certificate
1.95%	$500	$50k	48 - 59 Month Share CD - Gold
1.95%	$100	$50k	48 - 59 Month Share CD - Gold Collegiate Certificate
1.85%	$100k	-	36 - 47 Month Share CD
1.85%	$100k	-	36 - 47 Month Share CD Collegiate Certificate
1.80%	$500	$50k	36 - 47 Month Share CD - Platinum
1.80%	$100	$50k	36 - 47 Month Share CD - Platinum Collegiate Certificate
1.65%	$500	$50k	36 - 47 Month Share CD - Gold
1.65%	$100	$50k	36 - 47 Month Share CD - Gold Collegiate Certificate
1.35%	$100k	-	24 - 35 Month Share CD
1.35%	$100k	-	24 - 35 Month Share CD Collegiate Certificate
1.30%	$500	$50k	24 - 35 Month Share CD - Platinum
1.30%	$100	$50k	24 - 35 Month Share CD - Platinum Collegiate Certificate
1.15%	$500	$50k	24 - 35 Month Share CD - Gold
1.15%	$100	$50k	24 - 35 Month Share CD - Gold Collegiate Certificate
0.60%	$100k	-	12 - 23 Month Share CD
0.60%	$100k	-	12 - 23 Month Share CD Collegiate Certificate
0.55%	$500	$50k	12 - 23 Month Share CD - Platinum
0.55%	$100	$50k	12 - 23 Month Share CD - Platinum Collegiate Certificate
0.40%	$500	$50k	12 - 23 Month Share CD - Gold
0.40%	$100	$50k	12 - 23 Month Share CD - Gold Collegiate Certificate
0.25%	$100k	-	6 - 11 Month Share CD
0.25%	$100k	-	6 - 11 Month Share CD Collegiate Certificate
0.15%	$100k	-	3 - 5 Month Share CD
0.15%	$100k	-	3 - 5 Month Share CD Collegiate Certificate

IRA Accounts

Apy	Min	Max	Product
2.50%	$100k	-	60 Month Share IRA
2.50%	$100k	-	60 Month Share IRA Collegiate Certificate
2.46%	$500	$50k	60 Month Share IRA - Platinum
2.46%	$100	$50k	60 Month Share IRA - Platinum Collegiate Certificate
2.30%	$500	$50k	60 Month Share IRA - Gold
2.30%	$100	$50k	60 Month Share IRA - Gold Collegiate Certificate
2.15%	$100k	-	48 - 59 Month Share IRA
2.15%	$100k	-	48 - 59 Month Share IRA Collegiate Certificate
2.10%	$500	$50k	48 - 59 Month Share IRA - Platinum
2.10%	$100	$50k	48 - 59 Month Share IRA - Platinum Collegiate Certificate
1.95%	$500	$50k	48 - 59 Month Share IRA - Gold
1.95%	$100	$50k	48 - 59 Month Share IRA - Gold Collegiate Certificate
1.85%	$100k	-	36 - 47 Month Share IRA
1.85%	$100k	-	36 - 47 Month Share IRA Collegiate Certificate
1.80%	$500	$50k	36 - 47 Month Share IRA - Platinum
1.80%	$100	$50k	36 - 47 Month Share IRA - Platinum Collegiate Certificate
1.65%	$500	$50k	36 - 47 Month Share IRA - Gold
1.65%	$100	$50k	36 - 47 Month Share IRA - Gold Collegiate Certificate
1.35%	$100k	-	24 - 35 Month Share IRA
1.35%	$100k	-	24 - 35 Month Share IRA Collegiate Certificate
1.30%	$500	$50k	24 - 35 Month Share IRA - Platinum
1.30%	$100	$50k	24 - 35 Month Share IRA - Platinum Collegiate Certificate
1.15%	$500	$50k	24 - 35 Month Share IRA - Gold
1.15%	$100	$50k	24 - 35 Month Share IRA - Gold Collegiate Certificate
0.60%	$100k	-	12 - 23 Month Share IRA
0.60%	$100k	-	12 - 23 Month Share IRA Collegiate Certificate
0.55%	$500	$50k	12 - 23 Month Share IRA - Platinum
0.55%	$100	$50k	12 - 23 Month Share IRA - Platinum Collegiate Certificate
0.40%	$500	$50k	12 - 23 Month Share IRA - Gold
0.40%	$100	$50k	12 - 23 Month Share IRA - Gold Collegiate Certificate
0.25%	$100k	-	6 - 11 Month Share IRA
0.25%	$100k	-	6 - 11 Month Share IRA Collegiate Certificate
0.15%	$100k	-	3 - 5 Month Share IRA
0.15%	$100k	-	3 - 5 Month Share IRA Collegiate Certificate

Institution Statistics

NCUA #	12525
BankRate Report	View
Year Established	1958
Employees	183
Primary Regulator
Assets and Liabilities
Assets	$620.17 million
Loans	$495.97 million
Deposits	$560.60 million
Equity Capital	$48.86 million
Loan Loss Allowance	$13.80 million
Unbacked Noncurrent Loans	$11.50 million
Real Estate Owned	$956,000
Historic Data - March 2009
Assets	$651.86 million
Equity Capital	$50.47 million
Loan Loss Allowance	$11.45 million
Unbacked Noncurrent Loans	$10.34 million
Profit Margin - Quarterly
Net Interest Margin	1.12%
Return on Assets	1.41%
Return on Equity	17.9%
Interest Income	$6.90 million
Non-Interest Income	$1.85 million

Institution Health

Overall Score:

3 out of 5

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 March 1, 2010 CoastHills FCU had $12.46 million in non-current loans and owned real-estate with $62.66 million in equity and loan loss allowances on hand to cover it. This gives CoastHills FCU a Texas Ratio of 19.88% 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 CoastHills FCU increased slightly from 16.70% as of March 1, 2009 to 19.88% as of March 1, 2010, resulting in a negative change of 19.02%. This indicates that the balance sheet and financial strength for CoastHills FCU has declined slightly in recent periods.
Deposit Growth
In the past year, CoastHills FCU has decreased it's total deposits by -$33.68 million, resulting in -5.67% 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 CoastHills FCU has shown is below average.
Capitalization
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. CoastHills FCU has $620.17 million in assets with $62.66 million in equity, resulting in a capitalization level of 10.10%, which is below average.

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