State credit union · Oregon, Ohio · NCUA charter #63375
Bay Area
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $105.5M
- Total assets
- 7,488
- Members
- 11.3%
- Net-worth ratio
Bay Area scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $105.5M; members 7,488; net-worth ratio 11.33%; health rank #952 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#952 of 4,374 health · 2025Q4Bay Area · health 91/100 · $105.5M · 2025Q4
- CAMELS 91/100
- HEALTH 11.3%
- NW 1.07%
- DELQ 0.51%
- ROA $105.5M
- ASSETS 7,488
- MEM #952/4,374
- RANK Advantage Financial
- PHOTO 63375
Call Report peers
Bay Area in the assets neighbourhood
Bay Area's $105.5M assets sit next to Advantage Financial ($105.6M) 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 Area 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
91 Top 23% higher than 77% 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 Area - Share Insurance Coverage
Charter #63375's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Bay Area vs $100M–$500M peers
- Largest lag: Loan-to-Share Ratio at 56.71% vs peer 72.20% (-15.49 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for Bay Area
- Ohio health ordinal: #36 of 196.
- Assets rank #74 of 196 inside Ohio ($105.5M reported).
- Member book place in Ohio: #78 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Bay Area
Bay Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $105.5M (2025Q4) to $108.6M (2026Q1).
- Net-worth ratio shifted -0.17 pp (11.50% → 11.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.33% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.5 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.5 pts
Bay Area vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.33% | -0.78 pp |
| Delinquency Rate | 1.07% | +0.17 pp |
| Return on Assets | 0.51% | -0.11 pp |
| Member Growth | 37.42% | - |
| Loan-to-Share Ratio | 56.71% | -15.49 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $108.6M | - |
| 2025Q4 | $105.5M | 7,488 |
| 2024Q4 | $81.4M | 5,449 |
| 2023Q4 | $78.7M | 5,548 |
Credit Union Details
- Charter Number
- 63375
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Oregon
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Bay Area runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Main (Main Office) | Oregon, OH |
| Perrysburg | Perrysburg, OH |
| Toledo | Toledo, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Bay Area
Two NCUA Call Report peer sets for Bay Area, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($105.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Bay Area ranks #952 of 4,374 nationally on financial health and #36 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cleveland Selfreliance is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cleveland Selfreliance
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 Area financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - Bay Area's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #952 of 4,374; by total assets it ranks #1,779 of 4,374 nationally (same basis as /rankings/largest); and #74 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.33% net worth ratio and 1.07% delinquency rate are the key drivers.
How does Bay Area compare to other credit unions?
On PlainCU's health composite, Bay Area lands at 91/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Area?
Membership eligibility for Bay Area depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Bay Area directly for current membership requirements and application steps.
Is my money safe at Bay Area?
Federal credit unions like Bay Area 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 Area's net worth ratio of 11.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bay Area offer compared to banks?
Credit unions like Bay Area 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 Area 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.