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Bay
Capitola, CA · NCUA Charter #12067 · Federal charter · Chartered 1957
Total assets
$1.91B
Shares & deposits
$1.70B
Total loans
$1.20B
Members
96,735
Net worth
$187.83M
Branches
8
Rank: #273 of 4,299 U.S. credit unions by assets · #38 of 239 in California. Assets changed 7.3% and membership 3.8% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 9.85% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.19% |
| Loans to shares & deposits | 70.5% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.63B | $1.51B | $0 | $128.88M |
| Jun 2023 | $1.59B | $1.46B | $0 | $143.23M |
| Jun 2024 | $1.64B | $1.48B | $0 | $156.22M |
| Jun 2025 | $1.78B | $1.59B | $0 | $172.09M |
| Jun 2026 | $1.91B | $1.70B | $0 | $187.83M |
Branch footprint
| State | Branches |
|---|---|
| California | 8 |
Similar-sized credit unions
Tyndall ($1.92B) · First Community ($1.89B)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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