BAY CITIES
Hayward, CA · State Credit Union · Chartered in CA
Who can join
State government employees (special charter)
Members
6,669
Net Worth Ratio
12.30%
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
$78.8M
Peer Group 4
Members
6,669
as of latest quarter
Net Worth Ratio
12.30%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$78.8M
Total Shares
$68.9M
Total Loans
$30.9M
Net Worth Ratio
12.30%
≥7% = Well Capitalized
Members
6,669
Delinquency Rate (60d+)
0.36%
$111K
Loan-to-share ratio: 44.9%· healthy range 60–80%
Branch Locations
NCUABay Cities Credit Union
22777 Main St, Hayward, CA, 94541-5113
9 AM to 5 PM Mon - Thurs 9 AM to 6 PM Friday
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-cities" target="_blank" rel="noopener">View BAY CITIES on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.