96K members strong and growing, Bay in Capitola, CA is one of the standout performers in the Mid-Size ($500M–$2B) category with $1.9B in total assets.
The numbers speak for themselves - with a net worth ratio of 9.7% and a return on assets of 1.02%, Bay is delivering where it counts. Add in delinquency of just 0.20%, loan-to-share ratio of 70.5%, net interest margin of 3.14%, efficiency ratio of 73.8%, charge-off rate of just 0.38%, and you have a credit union performing well above its peer group.
Excellent asset quality with delinquency at 0.