--- title: Coasthills Credit Union url: https://lender.report/lender/coasthills-credit-union-ca/ as_of: 2026-06-30 data_version: 2026-11-12.1 license: https://lender.report/license/ is_paid: false label: Unverified listing listing_state: unverified status: operating ids: {fdic: null, rssd: 127587, ncua: 24957, lei: 5493000KTY8YQ4SFHT59} --- # Coasthills Credit Union > Unverified listing. Built from public records. The lender has not reviewed the page. Every lender starts this way, and it says nothing about the lender itself. Claiming is free. **Cite this:** Source: The Lender Report, Coasthills Credit Union, https://lender.report/lender/coasthills-credit-union-ca/, data as of June 30, 2026. Credit union, Santa Maria, CA. Regulator: National Credit Union Administration. Identifiers: NCUA charter 24957; RSSD 127587; LEI 5493000KTY8YQ4SFHT59. ## Facts, each with its source and date - Reported $1.8B in total assets as of June 30, 2026 (NCUA 5300). - Held $250.1M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300). - Held $108.2M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 0.1% from a year earlier (NCUA 5300). - Held $93.5M of owner-occupied commercial real estate loans as of June 30, 2026, up 23.5% from a year earlier (NCUA 5300). - Held $45.7M of multifamily loans as of June 30, 2026, up 13.2% from a year earlier (NCUA 5300). - Originated 3 multifamily loans totaling $4.3M in 2025 (HMDA). - Originated 2 multifamily loans totaling $3.9M in 2024 (HMDA). - Originated 4 1-4 unit investor or business-purpose loans totaling $710K in 2025 (HMDA). - Recorded 10 SBA 7(a) approvals totaling $1.8M from October 1, 2023 to September 30, 2026, of which 5 were later cancelled (SBA). - Provided the first lien on 3 SBA 504 projects with $5.9M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA). - Originated 24 real-estate-secured commercial loans totaling $36.5M in the first half of 2026 (NCUA 5300). - Estimated member business loan cap of about $216.4M (estimate, lesser of 1.75 times net worth or 12.25% of assets, June 30, 2026 NCUA 5300). - Held $38.5M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300). - Listed 11 offices in 1 state (NCUA). - Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026). ## What it holds (June 30, 2026) Balances held as filed. Not loans made. | Book | Holds | Of its loans | Year over year | | --- | --- | --- | --- | | Multifamily | $45.7M | 3.45% | +13.2% | | Construction and land development | $198K | 0.01% | -95.3% | | Owner-occupied CRE | $93.5M | 7.05% | +23.5% | | Non-owner-occupied CRE | $108M | 8.16% | +0.1% | | Farmland | $0 | 0% | not reported | | Commercial and industrial | $2.42M | 0.18% | +17.0% | | Other real-estate-secured commercial, chiefly business-purpose 1-4 family | $0 | 0% | not reported | ## Loans on record | Kind of loan | Period | Loans made | Dollars | Source | | --- | --- | --- | --- | --- | | Multifamily, 5 or more units | 2025 | 3 | $4.30M | CFPB HMDA | | Multifamily, 5 or more units | 2024 | 2 | $3.90M | CFPB HMDA | | 1-4 unit investor or business purpose | 2025 | 4 | $710K | CFPB HMDA | | SBA 7(a), net of cancelled | 36 months to September 30, 2026 | 5 | $343K | SBA FOIA | | SBA 504 first lien, net of cancelled | 36 months to September 30, 2026 | 3 | $5.90M | SBA FOIA | Credit union filing, first half of 2026: bought $0 of commercial participations; holds $38.5M. ## Recent recorded loans, coarsened Place is the county or the state, amounts are rounded to 2 significant figures, and no borrower is named. | When | Place | Loan | Amount | Rate | Term (months) | Source | | --- | --- | --- | --- | --- | --- | --- | | 2025 | San Luis Obispo County, CA | cash_out_refinance, 5-24 units | $2.30M | 5.75% | 120 | CFPB HMDA | | 2025 | Santa Barbara County, CA | purchase, 5-24 units | $1.20M | 5.75% | 108 | CFPB HMDA | | 2025 | San Luis Obispo County, CA | cash_out_refinance, 5-24 units | $800K | 7% | 144 | CFPB HMDA | | Sep 2025 | California | SBA 504, Wholesale Trade | $1.20M | not reported | 300 | SBA FOIA | | Jan 2025 | California | SBA 7(a), Horses and Other Equine Production | $75.0K | 9.75% | 24 | SBA FOIA | | 2024 | San Luis Obispo County, CA | refinance, 5-24 units | $2.80M | 5.34% | 180 | CFPB HMDA | | 2024 | Santa Barbara County, CA | purchase, 5-24 units | $1.10M | 5.75% | 108 | CFPB HMDA | | Oct 2024 | California | SBA 7(a), Mobile Food Services | $93.0K | 7.5% | 84 | SBA FOIA | | Aug 2024 | California | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $25.0K | 10% | 24 | SBA FOIA | | Dec 2023 | California | SBA 7(a), Wineries | $100K | 11% | 24 | SBA FOIA | ## Where it lends 11 offices in 1 states (June 30, 2026). ## Not a rating Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits. | Measure | Value | How it is worked out | | --- | --- | --- | | Estimated largest single loan | $21.2M | Estimate from reported capital, not a limit the lender has stated. | | Loans to assets | 75.09% | Total loans divided by total assets | | Loans to deposits | 88.39% | Total loans divided by total deposits | ## What we do not know - Whether this lender is taking new loans today. - Its underwriting limits and fees, unless it has told us. - Whether it takes brokers, beyond what the public record shows. - A balance is what a lender holds as filed. It is not a loan made. ## How to reach them - Website: https://www.coasthills.coop (from the regulator record or the lender's own site) - Phone: (805) 733-7600 - Regulator record: https://mapping.ncua.gov/singlecreditunion/Details/24957 ## For the record Data as of June 30, 2026. Data release 2026-11-12.1. Source and date appear beside each figure. 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