BAY CITIES Credit Union Profile

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BAY CITIES

Charter #68316 | NCUA Region 3 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (510) 690-6100

Fax: (510) 881-1929

Founding Date: N/A

Website: http://www.baycities.org

Personnel & Operations

President: Weisbrod, Norman

Manager: Munoz, Georgette

FT Employees: 15

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 1

Hours: 9 AM to 5 PM Mon - Thurs 9 AM to 6 PM Frid

Credit Union Profile Summary

BAY CITIES is a FISCU Credit Union. With a total of 6,933 members [1], this institution manages approximately $78,330,281 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 11.4% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.98% [1].

Financial Snapshot

Total Assets [1]
$78,330,281

Total economic resources.

Total Loans [1]
$30,594,172

Total value of outstanding loans.

Total Deposits [1]
$69,006,594

Total funds deposited by members.

Members [1]
6,933

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.4%

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]
1.56%

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

Loan-to-Share Ratio [1]
44.34%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
2.15%

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

Loan Growth (4Q) [1]
3.98%

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

Member Growth (4Q) [1]
-6.76%

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

Headquarters Location & Map

Headquarters Address

22777 Main St

Hayward, CA, 94541-5113

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by BAY CITIES (Charter #68316).

Main Office

Bay Cities Credit Union Main Office

Type: Corporate Office

22777 Main St

Hayward, CA 94541-5113

Phone: (510) 690-6100

Services: Member Services, ATM

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