BAY CITIES
Charter #68316 · Hayward, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.14% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.84% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.22% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 48th — a 26-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 CITIES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $78.85M | 66th pct | 57th pct |
| Members | 6,669 | 75th pct | 72th pct |
| Net worth ratio | 12.30% | 44th pct | 46th pct |
| Return on average assets | 1.14% | 72th pct | 80th pct |
| Net interest margin | 4.84% | 94th pct | 98th pct |
| Cost of funds | 0.22% | 11th pct | 11th pct |
| Loan-to-share | 44.86% | 21th pct | 48th pct |
| Delinquency 60+ days | 0.58% | 48th pct | 43th pct |
| Net charge-off ratio | 0.74% | 82th pct | 72th pct |
| Loan growth YoY | -1.15% | 54th pct | 57th pct |
| Share growth YoY | 1.05% | 29th pct | 26th pct |
| Efficiency ratio | 75.44% | 37th pct | 33th pct |
structural peer set hash: bc8f87708c3c5f34ad06fc3ca2dd7672… (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.