BAY
Federal • Capitola, California • Est. 1957
Quick Facts
- Charter Number
- #12067
- Type
- Federal
- Established
- 1957
- Headquarters
- Capitola, California 95010-2546
- Address
- 3333 Clares St
- Branches
- 8
- ATMs
- 8
- Members
- 97,218
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
97,218 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | BAY |
|---|---|
| Total Assets | $1.9B |
| Members | 97,218 |
| Loans Outstanding | $1.2B |
| Shares & Deposits | $1.7B |
| Net Worth | $183.8M |
| Net Worth Ratio | 9.71% |
| Loan-to-Share Ratio | 69.3% |
| Delinquency Rate | 0.17% |
| Net Income | +$4,201,020 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
8 locations · 8 ATMs
Corporate Office
Main Office3333 Clares St
Capitola, CA 95010-2546
Aptos Branch
48 Rancho Del Mar
Aptos, CA 95003
Freedom Branch
2028 Freedom Blvd
Freedom, CA 95019-2835
River Street
420 River St Ste C
Santa Cruz, CA 95060-2671
Scotts Valley
255 Mount Hermon Rd Ste C
Scotts Valley, CA 95066-4080
Who Can Join BAY?
Membership Type: Other/Unknown
Membership eligibility for BAY may vary. Contact the credit union directly to confirm qualification requirements.
Contact BAY directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in California
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View California RankingsFrequently Asked Questions
BAY is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, BAY has 97,218 members and a potential membership field of 764,807 people.
BAY's reported net worth ratio is 9.71% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
BAY operates 8 branch locations and has access to 8 ATMs. The main office is located at 3333 Clares St, Capitola, CA 95010-2546.
BAY was established in 1957. It is a federal credit union chartered under charter number 12067. The institution has been serving members for 69 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or BAY. All financial data is for informational purposes only.