Bay
Capitola, CA · Charter 12067 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 7 branches
Q2 2026
$1.9BAssets
$1.2BLoans
$1.7BShares
$187.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 89% of credit unions $1B-$10B in assets (rank 48 of 435).
- Widest gap: equity / assets trails 74% of credit unions $1B-$10B in assets (rank 323 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.86%
Rank 196 of 435
Net Interest Margin
3.30%
Rank 246 of 435
Efficiency Ratio
71.09%
Rank 209 of 435
Equity / Assets
9.85%
Rank 323 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.55% | 0.81% | 1.14% | Beats 55% | 196 / 435 | |
| Return on Equity | 8.76% | 5.12% | 7.41% | 9.70% | Beats 66% | 149 / 435 | |
| Net Interest Margin | 3.30% | 3.01% | 3.39% | 3.75% | Beats 43% | 246 / 435 | |
| Efficiency Ratio | 71.09% | 65.25% | 71.39% | 77.86% | Beats 52% | 209 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.45% | 0.69% | 1.05% | Beats 89% | 48 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.85% | 9.81% | 10.84% | 12.63% | Beats 26% | 323 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.85% | 9.81% | 10.84% | 12.63% | Beats 26% | 323 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 70.52% | 78.33% | 88.38% | 95.61% | 14th pctl | 373 / 435 | |
| Loans / Assets | 62.90% | 67.69% | 74.58% | 80.80% | 17th pctl | 363 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |