NORTH BAY
State-Chartered • Santa Rosa, California • Est. 1948
Quick Facts
- Charter Number
- #63373
- Type
- State-Chartered
- Established
- 1948
- Headquarters
- Santa Rosa, California 95403
- Address
- 397 Aviation Blvd, Suite L
- Branches
- 4
- ATMs
- 3
- Members
- 2,830
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Poor financial health. One or more key ratios are below NCUA thresholds. All deposits remain federally insured up to $250,000.
Financial Overview
Total Assets
Members
2,830 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTH BAY |
|---|---|
| Total Assets | $114.4M |
| Members | 2,830 |
| Loans Outstanding | $98.4M |
| Shares & Deposits | $92.2M |
| Net Worth | $5.4M |
| Net Worth Ratio | 4.69% |
| Loan-to-Share Ratio | 106.7% |
| Delinquency Rate | 3.34% |
| Net Income | $-960,991 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 3 ATMs
Main Office
Main Office397 Aviation Blvd
Santa Rosa, CA 95403
Healdsburg Branch
1357 Healdsburg Ave
Healdsburg, CA 95448-3246
Sonoma Branch
201 Nino Marco Sq
Sonoma, CA 95476
Rohnert Park Branch
101 Golf Course Dr
Rohnert Park, CA 94928
Who Can Join NORTH BAY?
Membership Type: Community
Membership eligibility for NORTH BAY may vary. Contact the credit union directly to confirm qualification requirements.
Contact NORTH 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. NORTH 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, NORTH BAY has 2,830 members and a potential membership field of 500,000 people.
NORTH BAY's net worth ratio is 4.69% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. This is below the 7% well-capitalized threshold.
NORTH BAY operates 4 branch locations and has access to 3 ATMs. The main office is located at 397 Aviation Blvd, Santa Rosa, CA 95403.
NORTH BAY was established in 1948. It is a state-chartered credit union chartered under charter number 63373. The institution has been serving members for 78 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or NORTH BAY. All financial data is for informational purposes only.