State credit union · Santa Rosa, California · NCUA charter #63373
North Bay
Health score 25/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 25
- Health / 100
- $114.4M
- Total assets
- 2,830
- Members
- 4.7%
- Net-worth ratio
North Bay scores 25/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $114.4M; members 2,830; net-worth ratio 4.69%; health rank #4,372 of 4,374; healthier than 0th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,372 of 4,374 health · 2025Q4North Bay · health 25/100 · $114.4M · 2025Q4
- CHARTER 25/100
- NCUSIF 4.7%
- CAMELS 3.34%
- HEALTH -1.72%
- NW $114.4M
- DELQ 2,830
- ROA #4,372/4,374
- ASSETS Northridge Community
- MEM 63373
Call Report peers
North Bay in the assets neighbourhood
North Bay's $114.4M assets sit next to Northridge Community ($114.3M) 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.
North 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
25 0th percentile in the bottom 1% 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
North Bay - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #63373: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
North Bay: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 106.67% here, 72.20% peer average (+34.47 pp).
- Widest shortfall vs peers is Net Worth Ratio: -7.42 pp (4.69% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
North Bay in California
- California health ordinal: #243 of 243.
- Assets rank #143 of 243 inside California ($114.4M reported).
- Membership ranks #185 of 243 among California CUs with a reported count (2,830 members).
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 North Bay
North Bay: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -2.4% from $117.1M (2024Q4) to $114.4M (2025Q4).
- Membership moved -4.6% from 2,967 to 2,830 over the same window.
- Net-worth ratio shifted -2.36 pp (7.05% → 4.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This institution's 4.69% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 25/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 25.
- Net Worth Ratio 11.7 pts
- Delinquency Rate 4.2 pts
- Return on Assets 0.0 pts
- Member Growth 0.7 pts
- Loan-to-Share Ratio 8.4 pts
North Bay health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 4.69% | -7.42 pp |
| Delinquency Rate | 3.34% | +2.44 pp |
| Return on Assets | -1.72% | -2.35 pp |
| Member Growth | -4.62% | - |
| Loan-to-Share Ratio | 106.67% | +34.47 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).
North Bay filing history
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $114.4M | 2,830 |
| 2024Q4 | $117.1M | 2,967 |
| 2023Q4 | $120.9M | 2,941 |
Credit Union Details
- Charter Number
- 63373
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- Santa Rosa
- Data Quarter
- 2025Q4
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
North Bay nationwide neighbourhoods
Cross-state asset and health neighbours for North Bay - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($114.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (25/100 here).
Using this data
- North Bay ranks #4,372 of 4,374 nationally on financial health and #243 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- La Loma is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with La Loma
- 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 North Bay financially healthy?
North Bay scores 25/100 (Weak) 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 #4,372 of 4,374; by total assets it ranks #1,715 of 4,374 nationally (same basis as /rankings/largest); and #143 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 4.69% net worth ratio and a 3.34% delinquency rate.
How does North Bay compare to other credit unions?
North Bay scores 25/100 on PlainCU's health composite, compared to a peer group average for $100M–$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 North Bay?
Membership eligibility for North Bay depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact North Bay directly for current membership requirements and application steps.
Is my money safe at North Bay?
Federal credit unions like North 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. North Bay's net worth ratio of 4.69% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does North Bay offer compared to banks?
Credit unions like North 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 North 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.