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
Call Report peers
BAY in the assets neighbourhood
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BAY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BAY sits in 95-99 with 391 others.
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
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).
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.
- One place up in California, I.L.W.U. (#7) ties at 99/100; one place down, SACRAMENTO (#9) scores 98/100, 1 point lower.
Quarter path for BAY
BAY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $1.85B (2025Q4) to $1.89B (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.69% → 9.71%).
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
BAY gives up 1 points in total. Net Worth Ratio costs the most, 0.7 of its 30; Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is BAY financially healthy?
BAY has a financial health score of 99/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #72 of 4,374 nationally on health and #8 of 243 in California. Its net worth ratio is 9.71% and its delinquency rate 0.20%.
How does BAY compare to other credit unions?
BAY scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.20% vs 0.87%). Its widest shortfall is loan-to-share ratio (70.50% vs 83.90%).
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?
BAY is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.