BAY Credit Union Profile

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BAY

Charter #12067 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (831) 479-6000

Fax: (831) 479-6095

Founding Date: N/A

Website: http://www.bayfed.com

Personnel & Operations

President: Harmon, Piret

Manager: Birkhofer, Carrie

FT Employees: 246

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 7

Hours: 9:00 am to 5:00 pm M, T, TH 10:00 am to 5:

Credit Union Profile Summary

BAY is a FCU Credit Union. With a total of 93,174 members [1], this institution manages approximately $1,775,730,916 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.69% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.75% [1].

Financial Snapshot

Total Assets [1]
$1,775,730,916

Total economic resources.

Total Loans [1]
$1,136,059,327

Total value of outstanding loans.

Total Deposits [1]
$1,592,093,527

Total funds deposited by members.

Members [1]
93,174

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.69%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.21%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
71.36%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 8.51%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 3.75%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 3.42%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

3333 Clares St

Capitola, CA, 95010-2546
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 8 branches reported by BAY (Charter #12067).

Main Office

Corporate Office Main Office

Type: Corporate Office

3333 Clares St

Capitola, CA 95010-2546

Phone: (831) 479-6000

Services: Member Services, ATM

Open in Directions

Additional Branches

Aptos

Aptos Branch

Type: Branch Office

48 Rancho Del Mar

Aptos, CA 95003

Phone: (831) 479-6000

Services: Member Services, ATM

Open in Directions

Freedom

Freedom Branch

Type: Branch Office

2028 Freedom Blvd

Freedom, CA 95019-2835

Phone: (831) 479-6000

Services: Member Services, ATM

Open in Directions

Salinas

Salinas Main

Type: Branch Office

1524 N Main St

Salinas, CA 93906

Phone: (831) 479-6000

Services: Member Services, ATM

Open in Directions

Santa Cruz

Live Oak

Type: Corporate Office

5300 Soquel Ave Ste 201

Santa Cruz, CA 95062-7807

Phone: (831) 479-6000

Services: None specified

Open in Directions

River Street

Type: Branch Office

420 River St Ste C

Santa Cruz, CA 95060-2671

Phone: (831) 479-6000

Services: Member Services, ATM

Open in Directions

Scotts Valley

Scotts Valley

Type: Branch Office

255 Mount Hermon Rd Ste C

Scotts Valley, CA 95066-4080

Phone: (831) 479-6000

Services: Member Services, ATM

Open in Directions

Watsonville

Watsonville Branch

Type: Branch Office

1481 Main St

Watsonville, CA 95076-3759

Phone: (831) 479-6000

Services: Member Services, ATM

Open in Directions