BAY AREA
State-Chartered • Oregon, Ohio • Est. 1934
Quick Facts
- Charter Number
- #63375
- Type
- State-Chartered
- Established
- 1934
- Headquarters
- Oregon, Ohio 43616-3562
- Address
- 4202 Navarre Ave
- Branches
- 3
- ATMs
- 3
- Members
- 7,488
- Membership Type
- Community
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
7,488 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | BAY AREA |
|---|---|
| Total Assets | $105.5M |
| Members | 7,488 |
| Loans Outstanding | $52.2M |
| Shares & Deposits | $92.0M |
| Net Worth | $12.1M |
| Net Worth Ratio | 11.50% |
| Loan-to-Share Ratio | 56.7% |
| Delinquency Rate | 1.07% |
| Net Income | +$918,258 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 3 ATMs
Main
Main Office4202 Navarre Ave
Oregon, OH 43616-3562
Perrysburg
1070 Commerce Dr
Perrysburg, OH 43551
Toledo
28 N Fearing Blvd
Toledo, OH 43607
Who Can Join BAY AREA?
Membership Type: Community
Membership eligibility for BAY AREA may vary. Contact the credit union directly to confirm qualification requirements.
Contact BAY AREA directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Ohio RankingsFrequently Asked Questions
Yes. BAY AREA 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 AREA has 7,488 members and a potential membership field of 50,000 people.
BAY AREA's net worth ratio is 11.50% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.5%, BAY AREA meets this threshold.
BAY AREA operates 3 branch locations and has access to 3 ATMs. The main office is located at 4202 Navarre Ave, Oregon, OH 43616-3562.
BAY AREA was established in 1934. It is a state-chartered credit union chartered under charter number 63375. The institution has been serving members for 92 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 AREA. All financial data is for informational purposes only.