BAY
Charter #12067 · Capitola, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.71% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.17% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 70.77% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 43rd percentile but its structural peers at the 74th — a 31-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.89B | 43th pct | 74th pct |
| Members | 97,218 | 40th pct | 69th pct |
| Net worth ratio | 9.71% | 27th pct | 20th pct |
| Return on average assets | 0.90% | 64th pct | 72th pct |
| Net interest margin | 3.34% | 49th pct | 41th pct |
| Cost of funds | 1.42% | 33th pct | 54th pct |
| Loan-to-share | 69.35% | 14th pct | 26th pct |
| Delinquency 60+ days | 0.17% | 6th pct | 7th pct |
| Net charge-off ratio | 0.42% | 37th pct | 41th pct |
| Loan growth YoY | 1.24% | 42th pct | 44th pct |
| Share growth YoY | 4.18% | 53th pct | 71th pct |
| Efficiency ratio | 70.77% | 43th pct | 21th pct |
structural peer set hash: 57ee352c29c6720b4573f624aab52734… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.