credit union · NCUA 12067 · CA
How big is BAY?
BAY (CA, NCUA charter 12067) reported total assets of $1.9B, 96,735 members and a net worth ratio of 9.85% in its Call Report for 2026Q2. That ranks 273 of 4,299 federally insured credit unions by assets, 248 of 454 among credit unions with $1b-$10b in assets, 38 of 239 credit unions in california.
What stands out
BAY (CA, NCUA charter 12067) reported total assets of $1.9B, 96,735 members and a net worth ratio of 9.85% in its Call Report for 2026Q2. That ranks 273 of 4,299 federally insured credit unions by assets, 248 of 454 among credit unions with $1b-$10b in assets, 38 of 239 credit unions in california. Against its size class: net worth ratio 9.85%, below the peer median of 10.89%; loan-to-share ratio 70.52%, below the peer median of 88.03%; return on assets 0.86%, above the peer median of 0.80%. At 9.85% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $1.9B | $2.1B | $205.9M | $68.3M | record → |
| Shares and deposits | $1.7B | $1.8B | $179.4M | $58.3M | record → |
| Loans outstanding | $1.2B | $1.5B | $125.6M | $34.4M | record → |
| Net income (year to date) | $8.2M | $8.3M | $432.9k | $222.2k | record → |
| Net worth | $187.8M | $244.6M | $25.9M | $9.0M | record → |
| Net worth ratio | 9.85% | 10.89% | 11.30% | 12.65% | record → |
| Loan-to-share ratio | 70.52% | 88.03% | 72.15% | 68.70% | computed |
| Return on assets | 0.86% | 0.80% | 0.56% | 0.71% | computed |
| Members | 96,735 | 115,183 | 11,423 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $1.9B | $1.7B | $1.2B | $8.2M | 9.85% | 96,735 | 273 |
| 2026Q1 | $1.9B | $1.7B | $1.2B | $4.2M | 9.71% | 97,218 | 273 |
| 2025Q4 | $1.9B | $1.7B | $1.2B | $19.0M | 9.69% | 96,220 | 274 |
| 2025Q3 | $1.8B | $1.6B | $1.2B | $14.6M | 9.69% | 95,228 | 273 |
| 2025Q2 | $1.8B | $1.6B | $1.1B | $10.5M | 9.69% | 93,174 | 278 |
| 2025Q1 | $1.8B | $1.6B | $1.1B | $3.2M | 9.38% | 92,630 | 281 |
| 2024Q4 | $1.7B | $1.5B | $1.1B | $11.3M | 9.54% | 91,766 | 284 |
| 2024Q3 | $1.7B | $1.5B | $1.1B | $7.6M | 9.55% | 91,168 | 289 |
| 2024Q2 | $1.6B | $1.5B | $1.1B | $5.0M | 9.53% | 90,095 | 293 |
| 2024Q1 | $1.6B | $1.5B | $1.1B | $2.5M | 9.54% | 89,670 | 298 |
| 2023Q4 | $1.6B | $1.4B | $1.1B | $16.2M | 9.50% | 88,772 | 296 |
| 2023Q3 | $1.6B | $1.5B | $1.1B | $9.7M | 9.18% | 88,121 | 296 |
| 2023Q2 | $1.6B | $1.5B | $1.1B | $7.2M | 8.99% | 87,286 | 291 |
| 2023Q1 | $1.6B | $1.5B | $1.1B | $2.7M | 8.60% | 86,686 | 286 |
| 2022Q4 | $1.6B | $1.5B | $1.0B | $12.7M | 8.48% | 86,029 | 283 |
| 2022Q3 | $1.6B | $1.5B | $1.0B | $9.4M | 8.11% | 85,226 | 281 |
| 2022Q2 | $1.6B | $1.5B | $941.7M | $5.6M | 7.92% | 84,065 | 281 |
| 2022Q1 | $1.6B | $1.5B | $883.3M | $2.8M | 7.67% | 82,730 | 272 |
| 2021Q4 | $1.6B | $1.5B | $852.3M | $13.3M | 7.72% | 82,219 | 276 |
| 2021Q3 | $1.6B | $1.4B | $830.6M | $11.5M | 7.70% | 81,671 | 271 |
| 2021Q2 | $1.5B | $1.4B | $804.8M | $7.5M | 7.74% | 81,087 | 279 |
| 2021Q1 | $1.5B | $1.3B | $775.6M | $3.1M | 7.62% | 80,294 | 278 |
| 2020Q4 | $1.4B | $1.3B | $764.9M | $8.1M | 7.88% | 79,676 | 282 |
| 2020Q3 | $1.3B | $1.2B | $745.3M | $6.2M | 8.07% | 79,430 | 283 |
| 2020Q2 | $1.3B | $1.1B | $729.3M | $4.2M | 8.44% | 78,794 | 293 |
| 2020Q1 | $1.1B | $1.0B | $730.8M | $2.0M | 9.48% | 78,499 | 304 |
| 2019Q4 | $1.1B | $985.8M | $736.5M | $8.9M | 9.22% | 78,163 | 301 |
| 2019Q3 | $1.1B | $961.2M | $725.5M | $6.7M | 9.57% | 77,919 | 302 |
| 2019Q2 | $1.1B | $941.8M | $687.9M | $4.5M | 9.51% | 77,286 | 306 |
| 2019Q1 | $1.1B | $943.5M | $665.4M | $2.5M | 9.51% | 76,730 | 304 |
| 2018Q4 | $996.1M | $895.6M | $646.2M | $9.8M | 9.30% | 72,780 | 313 |
| 2018Q3 | $988.0M | $888.7M | $618.4M | $7.6M | 9.24% | 71,928 | 311 |
| 2018Q2 | $977.0M | $880.1M | $600.4M | $4.8M | 9.13% | 71,094 | 309 |
| 2018Q1 | $966.4M | $872.7M | $576.6M | $1.9M | 9.01% | 70,061 | 312 |
| 2017Q4 | $935.3M | $839.0M | $567.3M | $8.2M | 8.90% | 69,916 | 311 |
| 2017Q3 | $930.9M | $836.0M | $559.6M | $6.1M | 8.86% | 69,203 | 311 |
| 2017Q2 | $907.8M | $816.0M | $546.8M | $4.1M | 8.85% | 68,268 | 314 |
| 2017Q1 | $890.2M | $803.4M | $531.9M | $2.0M | 8.88% | 67,244 | 316 |
| 2016Q4 | $857.2M | $760.8M | $532.6M | $8.3M | 8.92% | 66,178 | 319 |
| 2016Q3 | $845.0M | $748.4M | $528.7M | $5.8M | 8.88% | 65,526 | 324 |
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