CENTRAL COAST FEDERAL CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.centcoastfcu.com for more information.
Sep, 30, 2025 — CENTRAL COAST FEDERAL CREDIT UNION is a federal credit union headquartered in SEASIDE, CA with 4 branch locations and about $183.45 million in total assets. Opened 65 years ago in 1961, CENTRAL COAST FEDERAL CREDIT UNION has about 14,606 members and employs 44 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CENTRAL COAST FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 4242 GIGLING ROAD SEASIDE, CA 93955 |
| Phone: | (831) 393-3480 |
| Fax: | (831) 899-2572 |
| Website: | https://www.centcoastfcu.com |
| Branches: | 4 branch locations |
| Members: | 14,606 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 14455 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1961 |
| Last Audited: | Dec 01, 2021 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $183,445,683 |
| CEO/Manager: | Leinette B Limtiaco |
| Chairperson: | Juanita c Casiano-Ferrante |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 5,275,086 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 34,773,467 |
| Unsecured Loans | 4,183,120 |
| Other Loans | 57,414,040 |
| TOTAL LOANS | 96,370,627 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -394,805 |
| Land And Building | 180,000 |
| Other Fixed Assets | 811,367 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,643,873 |
| All Other Assets | 0 |
| TOTAL ASSETS | 183,445,683 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 7,236 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,830,562 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 33,744,996 |
| Regular shares | 97,326,947 |
| All Other Shares & Deposits | 42,787,356 |
| TOTAL SHARES & DEPOSITS | 173,859,299 |
| TOTAL LIABILITIES | 177,697,097 |
| Regular Reserve | 0 |
| Other Reserves | -6,657,094 |
| Undivided Earnings | 12,405,680 |
| TOTAL EQUITY | 5,748,586 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 183,445,683 |
| INCOME & EXPENSE | |
| Loan Income | 2,830,766 |
| Investment Income | 802,234 |
| Other Income | 1,368,118 |
| Total Employee Compensation & Benefits | 2,608,746 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,108,678 |
| Non-operating Income & (Expense) | 4,300 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 202,567 |
| Cost of Funds | 205,540 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -105,828 |
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