BAY CITIES
State-Chartered • Hayward, California • Est. 1953
Quick Facts
- Charter Number
- #68316
- Type
- State-Chartered
- Established
- 1953
- Headquarters
- Hayward, California 94541-5113
- Address
- 22777 Main St
- Branches
- 1
- ATMs
- 1
- Members
- 6,669
- Membership Type
- Community
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 10% and a delinquency rate below 1%. 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
6,669 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | BAY CITIES |
|---|---|
| Total Assets | $78.8M |
| Members | 6,669 |
| Loans Outstanding | $30.9M |
| Shares & Deposits | $68.9M |
| Net Worth | $9.7M |
| Net Worth Ratio | 12.30% |
| Loan-to-Share Ratio | 44.9% |
| Delinquency Rate | 0.58% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
1 location · 1 ATMs
Bay Cities Credit Union
Main Office22777 Main St
Hayward, CA 94541-5113
Who Can Join BAY CITIES?
Membership Type: Community
Membership eligibility for BAY CITIES may vary. Contact the credit union directly to confirm qualification requirements.
Contact BAY CITIES 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 CITIES 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 CITIES has 6,669 members and a potential membership field of 60,000 people.
BAY CITIES's reported net worth ratio is 12.30% 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 CITIES operates 1 branch location and has access to 1 ATMs. The main office is located at 22777 Main St, Hayward, CA 94541-5113.
BAY CITIES was established in 1953. It is a state-chartered credit union chartered under charter number 68316. The institution has been serving members for 73 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 CITIES. All financial data is for informational purposes only.