Federal credit union · Capitola, California · NCUA charter #12067
BAY
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $1.85B
- Total assets
- 96,220
- Members
- 9.7%
- Net-worth ratio
BAY scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.85B; members 96,220; net-worth ratio 9.71%; health rank #72 of 4,374; healthier than 98th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#72 of 4,374 health · 2025Q4BAY · health 99/100 · $1.85B · 2025Q4
- ASSETS 99/100
- MEM 9.7%
- RANK 0.20%
- PHOTO 0.61%
- BOOK $1.85B
- CHARTER 96,220
- NCUSIF #72/4,374
- CAMELS Superior Credit Union, Inc
- HEALTH 12067
Call Report peers
BAY in the assets neighbourhood
BAY's $1.85B assets sit next to Superior Credit Union, Inc ($1.87B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BAY vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
99 Top 2% higher than 98% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
BAY - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #12067. See our deposit-insurance coverage note.
Where BAY diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.20% vs peer 0.87% (-0.67 pp).
- Loan-to-Share Ratio trails the peer set - 70.50% here, 83.90% peer average (-13.40 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for BAY
- Health composite ranks #8 of 243 among scored California credit unions.
- Assets rank #38 of 243 inside California ($1.85B reported).
- Member book place in California: #34 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for BAY
BAY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $1.85B (2025Q4) to $1.89B (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.69% → 9.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 99/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- Net Worth Ratio 29.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 14.8 pts
- Loan-to-Share Ratio 14.9 pts
BAY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.71% | -1.47 pp |
| Delinquency Rate | 0.20% | -0.67 pp |
| Return on Assets | 0.61% | +0.10 pp |
| Member Growth | 4.85% | - |
| Loan-to-Share Ratio | 70.50% | -13.40 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - BAY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.89B | - |
| 2025Q4 | $1.85B | 96,220 |
| 2024Q4 | $1.69B | 91,766 |
| 2023Q4 | $1.59B | 88,772 |
Credit Union Details
- Charter Number
- 12067
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- California
- City
- Capitola
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, BAY runs 8 offices in 8 different cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Capitola, CA |
| Aptos Branch | Aptos, CA |
| Freedom Branch | Freedom, CA |
| Marina Branch | Marina, CA |
| Salinas Main | Salinas, CA |
| River Street | Santa Cruz, CA |
| Scotts Valley | Scotts Valley, CA |
| Watsonville Branch | Watsonville, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Cross-state Call Report peers for BAY
Cross-state asset and health neighbours for BAY - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.85B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
Using this data
- BAY ranks #72 of 4,374 nationally on financial health and #8 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MONTERRA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MONTERRA
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is BAY financially healthy?
BAY scores 99/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #72 of 4,374; by total assets it ranks #274 of 4,374 nationally (same basis as /rankings/largest); and #38 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.71% net worth ratio and a 0.20% delinquency rate.
How does BAY compare to other credit unions?
BAY scores 99/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join BAY?
BAY operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact BAY directly for the exact boundaries and application steps.
Is my money safe at BAY?
Federal credit unions like BAY are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. BAY's net worth ratio of 9.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BAY offer compared to banks?
Credit unions like BAY are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact BAY directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.