BAY
Capitola, CA · Federal Credit Union · Chartered in CA
Who can join
Employee group
Members
97,218
Net Worth Ratio
9.71%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$1.89B
Peer Group 6
Members
97,218
as of latest quarter
Net Worth Ratio
9.71%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Financial Snapshot
Total Assets
$1.89B
Total Shares
$1.69B
Total Loans
$1.17B
Net Income
$4.2M
Net Worth Ratio
9.71%
≥7% = Well Capitalized
Members
97,218
Return on Assets
0.22%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.07%
$765K
Loan-to-share ratio: 69.4%· healthy range 60–80%
Branch Locations
NCUACorporate Office
3333 Clares St, Capitola, CA, 95010-2546
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
Aptos Branch
48 Rancho Del Mar, Aptos, CA, 95003
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
Freedom Branch
2028 Freedom Blvd, Freedom, CA, 95019-2835
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
River Street
420 River St Ste C, Santa Cruz, CA, 95060-2671
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
Scotts Valley
255 Mount Hermon Rd Ste C, Scotts Valley, CA, 95066-4080
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
Watsonville Branch
1481 Main St, Watsonville, CA, 95076-3759
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
Salinas Main
1524 N Main St, Salinas, CA, 93906
9:00 am to 5:00 pm M, T, TH10:00 am to 5:00 pm Wednesday9:00 am to 6:00 pm Friday9:00 am to 3:00 pm Saturday
Marina Branch
140 10th St Ste 20, Marina, CA, 93933
M, T, Th, F 9 am - 5 pm; W 10 am - 5 pm; Sat 9 am - 3 pm
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/bay" target="_blank" rel="noopener">View BAY on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.