PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bay

Capitola, CA · Charter 12067

NCUA · 7 branches

Q2 2026

$1.9BAssets
$1.2BLoans
$1.7BShares
$187.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.86%, down 32 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.31% of loans (+6 bps YoY).
  • Capital: net worth / assets of 9.85%, up 16 bps from a year ago.
  • Funding: loans stand at 70.52% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%-32 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+17 bps YoY

Efficiency Ratio (YTD, annualized)

71.09%+482 bps YoY

Net Worth / Assets

9.85%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.07%1.02%0.89%0.86%-32 bps
Return on Equity12.22%11.02%10.57%9.14%8.76%-346 bps
Net Interest Margin3.13%3.12%3.14%3.31%3.30%+17 bps
Efficiency Ratio66.26%67.98%68.54%70.77%71.09%+482 bps
Growth
Asset Growth (YoY)8.51%9.42%9.50%7.83%7.35%-116 bps
Loan Growth (YoY)3.75%5.21%5.08%5.17%5.53%+178 bps
Share Growth (YoY)7.64%8.66%8.25%7.24%6.78%-86 bps
Asset Quality
Delinquent Loans / Loans0.25%0.32%0.20%0.17%0.31%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.69%9.69%9.69%9.71%9.85%+16 bps
Net Worth / Assets9.69%9.69%9.69%9.71%9.85%+16 bps
Liquidity & Funding
Loans / Shares71.36%71.37%70.50%69.35%70.52%-83 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps