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Overview / Commentary
805-733-7600
P.O. Box 200
Lompoc, CA 93438

CoastHills Federal Credit Union is headquartered in Lompoc and is the 52nd largest credit union in the state of California. It is also the 307th largest credit union in the nation. It was established in 1958 and as of December of 2013, it had grown to 196 employees and 58,525 members. CoastHills Federal Credit Union's savings rates are 92% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

You are eligible if you live, work, worship, or attend school in the Central Caost community compurised of San Luis Obispo and North Santa Barbara counties. - See Details

Reviews (1)

Non Sufficient Fees

I was charged a $29 fee for non sufficient funds when I had more than enough in my account. They would not rectify the situation, unlike Chase (who I don't care for) which has given me decent customer service.



Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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 CoastHills Federal Credit Union had $3.32 million in non-current loans and owned real-estate with $73.03 million in equity and loan loss allowances on hand to cover it. This gives CoastHills Federal Credit Union a Texas Ratio of 4.54% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for CoastHills Federal Credit Union decreased slightly from 6.17% as of December 31, 2012 to 4.54% as of December 31, 2013, resulting in a positive change of 26.43%.This indicates that the balance sheet and financial strength for CoastHills Federal Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, CoastHills Federal Credit Union has increased its total deposits by $15.8 million, resulting in 2.66% 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 Federal Credit Union has shown is above average.

Capitalization

GRADE:
B+

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 Federal Credit Union has $717.71 million in assets with $73.03 million in equity, resulting in a capitalization level of 10.17%, which is above average.

Institution Statistics

Overall
NCUA #12525
Year Chartered1958
Employees196
Primary Regulator
Assets and Liabilities
Assets$717.71 million
Loans$655.09 million
Deposits$609.45 million
Equity Capital$62.72 million
Loan Loss Allowance$10.31 million
Unbacked Noncurrent Loans$2.70 million
Real Estate Owned$613,000
Historic Data - December 2012
Assets$688.95 million
Equity Capital$58.83 million
Loan Loss Allowance$10.96 million
Unbacked Noncurrent Loans$2.70 million
Real Estate Owned$661,000
Profit Margin - Quarterly
Net Interest Margin3.6%
Return on Assets0.73%
Return on Equity8.32%
Interest Income$27.67 million
Rates

Always verify rates and promotions with the bank or credit union. We are not CoastHills Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

CoastHills Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.00%--Health Savings Accounts - Single
1.00%--Health Savings Accounts - Family
0.10%--Basic Shares
0.10%--EDGE
0.10%--Business Shares
0.10%--Teen Scene
0.10%--Sammy Savers Account
0.10%--Special Shares
0.10%--Trust
0.10%--Holiday
0.10%--IRA
0.10%--Roth IRA Account

CoastHills Federal Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.10%--Classic Money Market Account
0.10%--Index Money Market Account
0.10%--Anniversary Money Market Account

CoastHills Federal Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.26%-$25kSuperReady Checking Account
0.75%$50k-Advantage Business
0.75%$50k-B-Plus Checking Account
0.10%$2,500-Ready Plus Checking Account

CoastHills Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
2.02%$100k-84 Month Jumbo Share Certificate
1.92%$50k$100k84 Month Mini-Jumbo Share Certificate
1.81%$100k-60 Month Jumbo Share Certificate
1.81%$25k$50k84 Month Share Certificate
1.81%$100k-60 Month Promo Jumbo Share Certificate (New Money)
1.81%$50k$100k60 Month Promo Mini-Jumbo Share Certificate (New Money)
1.81%$10k$50k60 Month Promo Share Certificate (New Money)
1.71%$50k$100k60 Month Mini-Jumbo Share Certificate
1.61%$25k$50k60 Month Share Certificate
1.46%$100k-48 - 59 Month Jumbo Share Certificate
1.36%$50k$100k48 - 59 Month Mini-Jumbo Share Certificate
1.26%$25k$50k48 - 59 Month Share Certificate
1.11%$100k-36 - 47 Month Jumbo Share Certificate
1.00%$50k$100k36 - 47 Month Mini-Jumbo Share Certificate
0.90%$25k$50k36 - 47 Month Share Certificate
0.90%$100k-24 - 35 Month Jumbo Share Certificate
0.80%$50k$100k24 - 35 Month Mini-Jumbo Share Certificate
0.70%$25k$50k24 - 35 Month Share Certificate
0.70%$100k-12 - 23 Month Jumbo Share Certificate
0.60%$50k$100k12 - 23 Month Mini-Jumbo Share Certificate
0.50%$25k$50k12 - 23 Month Share Certificate
0.35%$100k-6 - 11 Month Jumbo Share Certificate
0.30%$50k-6 - 11 Month Mini-Jumbo Share Certificate
0.25%$500$50k6 - 11 Month Share Certificate
0.20%$100k-3 - 5 Month Jumbo Share Certificate
0.15%$500$50k3 - 5 Month Share Certificate
0.15%$50k-3 - 5 Month Mini-Jumbo Share Certificate

CoastHills Federal Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
2.02%$100k-84 Month Jumbo IRA Certificate
1.92%$50k$100k84 Month Mini-Jumbo IRA Certificate
1.81%$100k-60 Month Jumbo IRA Certificate
1.81%$25k$50k84 Month IRA Certificate
1.81%$10k$50k60 Month Promo IRA Certificate (New Money)
1.81%$100k-60 Month Promo Jumbo IRA Certificate (New Money)
1.81%$50k$100k60 Month Promo Mini-Jumbo IRA Certificate (New Money)
1.71%$50k$100k60 Month Mini-Jumbo IRA Certificate
1.61%$25k$50k60 Month IRA Certificate
1.46%$100k-48 - 59 Month Jumbo IRA Certificate
1.36%$50k$100k48 - 59 Month Mini-Jumbo IRA Certificate
1.26%$25k$50k48 - 59 Month IRA Certificate
1.11%$100k-36 - 47 Month Jumbo IRA Certificate
1.00%$50k$100k36 - 47 Month Mini-Jumbo IRA Certificate
0.90%$25k$50k36 - 47 Month IRA Certificate
0.90%$100k-24 - 35 Month Jumbo IRA Certificate
0.80%$50k$100k24 - 35 Month Mini-Jumbo IRA Certificate
0.70%$25k$50k24 - 35 Month IRA Certificate
0.70%$100k-12 - 23 Month Jumbo IRA Certificate
0.60%$50k$100k12 - 23 Month Mini-Jumbo IRA Certificate
0.50%$25k$50k12 - 23 Month IRA Certificate
0.35%$100k-6 - 11 Month Jumbo IRA Certificate
0.30%$50k-6 - 11 Month Mini-Jumbo IRA Certificate
0.25%$500$50k6 - 11 Month IRA Certificate
0.20%$100k-3 - 5 Month Jumbo IRA Certificate
0.15%$500$50k3 - 5 Month IRA Certificate
0.15%$50k-3 - 5 Month Mini-Jumbo IRA Certificate
Locations

CoastHills Federal Credit Union has 11 locations. Click to view all CoastHills Federal Credit Union locations.