Spring 2026 Coastline Quarterly Newsletter

Thank you to all the members who joined us—either in person or via Zoom—for our Annual Membership Meeting in late February. It’s always beneficial to connect with you and share how your credit union is performing on your behalf.

It’s hard to believe we are already at the start of the second quarter of 2026. As we reflect on the year behind us, I’m proud to share that 2025 was another outstanding year across the board for Coast Central Credit Union. During the meeting, we reviewed the financial results of a truly remarkable year serving our members and the communities we call home. Some highlights include:

As of 12/31/25

• Total Assets: $2.289 billion, up 4.84%
• Total Shares: $2.029 billion, up 4.85%
• Total Loans: $1.130 billion, up 10.51%
• Total Membership: 80,401, up 2.07%
• Service Quality: 95.7% member satisfaction

Most gratifying of all, our membership surpassed 80,000 members across our three-county service area, and total assets grew to $2.3 billion. These milestones are a testament to the trust you place in us—trust we take very seriously and work hard to earn every day. We are deeply grateful to each of you for choosing us as your financial partner.

One of the key drivers behind our strong financial position has been the steady leadership of our Chief Lending Officer, Bob Moore. Bob retired in January after years of dedicated service, and we are sincerely indebted to him for the impact he made on our organization and our members.

I’m also pleased to share that our all-volunteer Board of Directors remains intact, with the addition of a new board member, Loren Skavdal, who brings valuable perspective and strong representation for the Eel River Valley.

In January, I had the opportunity to attend a CEO conference alongside leaders from some of the largest credit unions on the West Coast. I came away with valuable insights—and perhaps most encouraging, a reaffirmation of the cooperative spirit that defines our movement. Rather than competing against one another, credit unions continue to work together in service of our members. That collaboration is especially important as we engage in advocacy efforts on key issues being discussed in Washington, D.C.

One topic top of mind is the ongoing discussion around credit card rate caps and the proposed Credit Card Competition Act (CCCA). While these proposals may sound consumer-friendly on the surface, history has shown that such changes often carry unintended consequences. Measures like the CCCA could reduce revenue that credit unions rely on to fund fraud protection, keep credit affordable, support employee jobs and benefits, and deliver meaningful member advantages.

In March, I traveled to Capitol Hill with our SVP and Chief Marketing and Public Affairs Officer, Christian Hill. We joined credit union leaders across the country to ensure our collective voice—and the voice of our members—was heard clearly by lawmakers. Stay tuned for more information on this important effort.

Looking ahead, we remain focused on delivering even better service, responsibly growing our assets, and continuing to invest in our communities through our Community Giving Program. With your trust and partnership, the year ahead looks bright.

Thank you for being part of Coast Central Credit Union.

Following 13 years of dedicated service, Bob Moore, SVP, Chief Lending Officer, retired on January 13. Bob was an integral leader during his time at Coast Central, helping the credit union reach over $1 billion in loans. A Humboldt State graduate, he started his career with Coast Central back in 1987 and worked for a variety of local banks during his career, earning the nickname “Banker Bob”. His appreciation for the CCCU family and the chance to finish his career at a place he called extraordinary was shared in his heartfelt final message to colleagues. We thank “Banker Bob” for his meaningful contributions to our community and wish him all the best in his retirement with his new wife and former Coast Central VP, Colleen Toste!

Assuming Bob’s vacant role is new SVP and Chief Lending Officer Kenn Darling. Kenn comes to us from the wilds of Palmer, Alaska, where he was Chief Credit Officer at Matanuska Valley Federal Credit Union. Kenn has more than 30 years of lending experience that includes stops at First Tech Credit Union in Silicon Valley and Patelco Credit Union in the Bay Area. With a home in Newport, Oregon, and time spent previously on the North Coast, Kenn is fitting nicely into Humboldt County. Kenn started on February 10. Welcome to Coast Central, Kenn!

After 141 /2 years at the credit union, Fatima Zinselmeir retired on February 11. She began her career managing the McKinleyville locations for nine years, later served as Manager of Member Services, and has spent the past five years as the Assistant Vice President of Quality Services. Throughout her tenure, she was honored with several awards, including Employee of the Month and Employee of the Year in 2013, Volunteer of the 4th Quarter in 2020, and Volunteer of the Year in 2021. As she moves into retirement, Fatima looks forward to enjoying life in Arizona with her husband, children, and grandchildren—embracing warmer weather and even picking up golf.

Fraud is becoming more sophisticated with the rise of AI and social engineering. Stay vigilant by watching for these common threats and following simple security steps.

Common Scams

• Account Takeover: Using stolen info to control your accounts.
• Phishing/Smishing: Fake emails or texts designed to steal passwords and PINs.
• AI Scams: Voice cloning or deepfakes used to impersonate trusted staff.
• Payment Fraud: Tricking you into sending money directly to scammers.

5 Ways to Stay Safe

• Verify Contacts: We will never ask for your full password or sensitive info via unsolicited calls.
• Avoid Links: Never click links in suspicious messages; type our official URL directly into your browser.
• Secure Your Access: Use unique passwords and enable Multi-Factor Authentication (MFA).
• Set Alerts: Monitor account activity in real-time through digital banking alerts.
• Be Skeptical: If you receive a suspicious text claiming to be from us, do not reply.

Suspect fraud? Contact us immediately via Live Chat or call (707) 445-8801 to verify any communication.