Hayward, California · Peer group 4
Bay Cities Credit Union
Bay Cities Credit Union holds $78.8M in assets across 6,669 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1953. Charter number 68316, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $78.8M |
|---|---|
| Total loans | $30.9M |
| Total shares (deposits) | $68.9M |
| Net worth | $9.7M |
| Members | 6,669 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.9% | |
|---|---|---|
| Loans | 3.9% | around the 74th percentile of its peer group |
| Deposits | -0.5% | around the 30th percentile of its peer group |
| Members | -5.8% | around the 11th 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 | 44.9% | around the 21st percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.3% | around the 45th percentile of its peer group |
| Return on assets | 1.13% | around the 72nd percentile of its peer group |
| Delinquency ratio | 0.58% | around the 48th percentile of its peer group |
| Cash / assets | 3.6% | lower than 96% of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Bay Cities 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.
- Postcity Financial Credit Union
Long Beach, CA
$78.2M · 4,593 members
- Cal State L.A. Credit Union
LOS ANGELES, CA
$79.9M · 4,870 members
- California Community Credit Union
Sacramento, CA
$79.9M · 4,112 members
- Sonoma Credit Union
Santa Rosa, CA
$80.1M · 1,791 members
- Nikkei Credit Union
Gardena, CA
$80.6M · 3,779 members
- Valley Oak Credit Union
Three Rivers, CA
$82.3M · 5,977 members
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