Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 29 Dec 2021 |
| RSSD ID | 127587 |
| Address | 1075 Betteravia, Santa Maria, CA 93454 Directions (Google Maps) |
| Website | CoastHills.coop |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedThis lender's website blocked our automated reader on 2 Nov 2026 (we do not bypass bot protection), so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check CoastHills.coop or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$3.9 million in 3 awards from the U.S. Treasury's CDFI Fund, 2022–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2022 | CDFI Program, Financial Assistance | $660,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as COASTHILLS (charter 24957). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $1.8 billion (as of 30 Jun 2026) |
|---|---|
| Members | 84,724 (as of 30 Jun 2026) |
| Offices | 11 (as of 30 Jun 2026) |
Offices by state and county (11)
California (11 offices)
- San Luis Obispo County (5): 1360 E Grand Ave, Arroyo Grande 93420; 8900 Pueblo Ave, Atascadero 93422; 671 W Tefft St Ste 6, Nipomo 93444; 1402 Spring St, Paso Robles 93446; 751 Marsh St, San Luis Obispo 93401
- Santa Barbara County (6): 1075 E Betteravia Rd, Santa Maria 93454 (main office); 1320 N H St, Lompoc 93436; 3880 Constellation Rd, Lompoc 93436; 1125 E Clark Ave, Santa Maria 93455; 1203 S Broadway, Santa Maria 93454; 100 Community Loop, Vandenberg Afb 93437
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by CoastHills Federal Credit Union, dba CoastHills Credit Union (NCUA charter 24957, filed as “COASTHILLS”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $1.33 billion, 55,402 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 3.7% from $1.28 billion on 30 Jun 2025 |
| Members | 84,724 (as of 30 Jun 2026); 81,048 (as of 30 Jun 2025) |
| Loans per member | $15,654 (total loans divided by members, 30 Jun 2026) |
| Total assets | $1.77 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $106.6 million | 8.0% |
| Used vehicle loans | $369.3 million | 27.8% |
| First-lien home mortgages (1-4 family) | $302.9 million | 22.8% |
| Other real estate loans (junior liens, other) | $94 million | 7.1% |
| Commercial (business) loans | $254 million | 19.2% |
| Credit cards | $94.2 million | 7.1% |
| Other unsecured loans | $35.3 million | 2.7% |
| Leases and other secured loans | $69.9 million | 5.3% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025CoastHills Federal Credit Union, dba CoastHills Credit Union reported 111 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $27.3M (median loan about $145,000). 10 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 10 | 9.0% |
| Refinance (incl. 59 cash-out) | 64 | 58% |
| Home improvement | 33 | 30% |
| Other purpose | 4 | 3.6% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 110 | 99% |
Included above: 3 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 8 counties with at least one; 100% of its 2025 loans were for properties in California:
- Santa Barbara County, CA (74)
- San Luis Obispo County, CA (30)
Filed under LEI 5493000KTY8YQ4SFHT59 as “CoastHills Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 5 → 5 | Rank among the 21 certified CDFIs in California with SBA approvals in either period: 10 → 9. |
| Total assets (Call Report, 30 Jun 2026) | $1.77 billion | Larger than 84% of the 25 other certified credit unions in California (median $425.5 million). |
| Loans as a share of assets | 75% | Median of the same 25 credit unions: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.28 billion → $1.33 billion (+4%) | Median change of 24 other certified credit unions in California: +5%. Rank by loans held among these 25: 4 → 4. |
| Home loans originated in 2025 (HMDA) | 111 | More than 48% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in California with SBA approvals FY2023–2026 | 20 | rank 10 → 9 of 21 |
| Call Report total assets | other certified credit unions in California | 25 | larger than 84% |
| Loans held then vs now | certified credit unions in California reporting both dates | 24 | rank 4 → 4 of 25 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 48% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 14 SBA-backed approvals for CoastHills Federal Credit Union, dba CoastHills Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 6 7(a) loans as the lender: $619,700 in total (gross amount approved), median $83,800
- 8 504 projects as the third-party (first-lien) lender: $11.5M in total (its own third-party loan amount), median $1.2M
By fiscal year: FY2020 0 · FY2021 1 · FY2022 3 · FY2023 2 · FY2024 3 · FY2025 3 · FY2026 2.
By program
- 504 projects (as the third-party lender) (8, 57%)
- 7(a) standard (3, 21%)
- 7(a) SBA Express (3, 21%)
Borrower industries
NAICS sector, 3 or more loans.
- Construction (4)
- Manufacturing (4)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- San Luis Obispo County, CA (13)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Coasthills Federal Credit Union”); 504 third-party lender name: same organisation by name and state, checked by hand (SBA lists “CoastHills Credit Union”); NCUA charter 24957, found through the RSSD ID in NCUA records (SBA lists “Coasthills Federal Credit Union”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. CoastHills Federal Credit Union, dba CoastHills Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Santa Maria and California
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
- Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loansVerified
Work at CoastHills Federal Credit Union, dba CoastHills Credit Union? Link to this page
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