Pacifica-Coastside Credit Union

Pacifica-Coastside Credit Union is headquartered in Pacifica and is the 405^th largest credit union in the state of California. It is also the 6,532^nd largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 1 employees and 462 members. Pacifica-Coastside Credit Union has a 1-star health rating.

Data for Q4 2011

Institution Statistics PACIFICA-COASTSIDE NCUA # 63491 BankRate Report View Year Chartered 1958 Employees 1 Primary Regulator Assets and Liabilities Assets $1.44 million Loans $958,000 Deposits $1.36 million Equity Capital $63,000 Loan Loss Allowance $1,000 Unbacked Noncurrent Loans $43,000 Historic Data - December 2010 Assets $1.67 million Equity Capital $100,000 Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $10,000 Profit Margin - Quarterly Net Interest Margin 11.78% Return on Assets -2.5% Return on Equity -57.14% Interest Income $115,000 Non-Interest Income $1,000

Institution Health Overall Score: 1 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 December 31, 2011 Pacifica-Coastside Credit Union had $43,000 in non-current loans and owned real-estate with $64,000 in equity and loan loss allowances on hand to cover it. This gives Pacifica-Coastside Credit Union a Texas Ratio of 67.19% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pacifica-Coastside Credit Union increased slightly from 9.17% as of December 31, 2010 to 67.19% as of December 31, 2011, resulting in a negative change of 632.34%. This indicates that the balance sheet and financial strength for Pacifica-Coastside Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Pacifica-Coastside Credit Union has decreased its total deposits by $-192,000, resulting in -12.36% 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 Pacifica-Coastside Credit Union has shown is poor. 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. Pacifica-Coastside Credit Union has $1.44 million in assets with $64,000 in equity, resulting in a capitalization level of 4.45%, which is poor.

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