CoastHills Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.3 has resulted in Fair (4.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6). Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 7.9.
Asset Mix:
Consumer loans (32%), home mtgs (17%), comm loans (14%), securities (8%), other (29%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1075 East Betteravia Road
Santa Maria, CA 93454
Santa Maria, CA 93454
Phone Number
(805) 733-7600
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
Valencia, CA
Santa Maria, CA