Capitola, California · Peer group 6
Bay Credit Union
Bay Credit Union holds $1.89B in assets across 97,218 members as of Q1 2026 — about $19K of assets per member, on a charter dating to 1957. Charter number 12067, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.89B |
|---|---|
| Total loans | $1.17B |
| Total shares (deposits) | $1.69B |
| Net worth | $183.8M |
| Members | 97,218 |
| Assets per member | $19K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 7.8% | |
|---|---|---|
| Loans | 5.2% | around the 53rd percentile of its peer group |
| Deposits | 7.2% | around the 75th percentile of its peer group |
| Members | 5.0% | around the 85th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 69.4% | around the 17th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.7% | around the 31st percentile of its peer group |
| Return on assets | 0.89% | around the 65th percentile of its peer group |
| Delinquency ratio | 0.17% | lower than 94% of its peer group |
| Cash / assets | 13.2% | around the 84th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 19th percentile of its peer group |
What this page does not show
Everything above is Bay Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Monterra Credit Union
Redwood City, CA
$1.92B · 100,322 members
- Coasthills Credit Union
Santa Maria, CA
$1.77B · 83,931 members
- Frontwave Credit Union
Oceanside, CA
$1.76B · 127,939 members
- Keypoint Credit Union
San Jose, CA
$1.70B · 55,225 members
- First Entertainment Credit Union
Hollywood, CA
$2.12B · 84,754 members
- Northrop Grumman Credit Union
Gardena, CA
$1.65B · 83,423 members
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