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
- 96,220
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
96,220 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | BAY |
|---|---|
| Total Assets | $1.9B |
| Members | 96,220 |
| Loans Outstanding | $1.2B |
| Shares & Deposits | $1.7B |
| Net Worth | $179.6M |
| Net Worth Ratio | 9.69% |
| Loan-to-Share Ratio | 70.5% |
| Delinquency Rate | 0.20% |
| Net Income | +$24,556,126 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View California RankingsFrequently Asked Questions
Yes. BAY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, BAY has 96,220 members and a potential membership field of 764,807 people.
BAY's net worth ratio is 9.69% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.7%, BAY meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or BAY. All financial data is for informational purposes only.