Bay Cities Hayward, CA · Charter 68316 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22)
NCUA · 1 branch
Q2 2026
$77.6M Assets
$30.6M Loans
$67.4M Shares
$9.9M Net Worth
Executive Summary Strongest standing: net interest margin outperforms 91% of credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (rank 2 of 22). Widest gap: nonperforming loans / loans trails 64% of credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (rank 15 of 22). Overall: at or above the peer median on 6 of 7 directional measures. Return on Assets
0.99%
Rank 6 of 22
Net Interest Margin
4.90%
Rank 2 of 22
Efficiency Ratio
76.94%
Rank 9 of 22
Equity / Assets
12.70%
Rank 10 of 22
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 0.99% -0.03% 0.55% 0.99% Beats 73% 6 / 22 Return on Equity 7.77% -0.26% 3.68% 6.84% Beats 77% 5 / 22 Net Interest Margin 4.90% 2.64% 3.38% 3.88% Beats 91% 2 / 22 Efficiency Ratio 76.94% 71.26% 81.14% 99.76% Beats 64% 9 / 22 Asset Quality Nonperforming Loans / Loans 0.86% 0.03% 0.56% 1.15% Beats 36% 15 / 22 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 12.70% 10.74% 12.65% 15.23% Beats 55% 10 / 22 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 12.70% 10.74% 12.65% 15.23% Beats 55% 10 / 22 Liquidity & Funding Loans / Deposits 45.46% 45.93% 53.20% 62.68% 18th pctl 18 / 22 Loans / Assets 39.51% 34.22% 45.72% 53.73% 27th pctl 16 / 22 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11