| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +1.3% | -2.3 pts |
| Share growth (YoY) | -2.3% | +0.9% | -3.2 pts |
| Loan growth (YoY) | +0.2% | -2.6% | +2.8 pts |
| ROA | 0.99% | 0.65% | +0.3 pts |
| ROE | 7.8% | 4.4% | +3.4 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $77.6M | $67.4M | $30.6M | $9.9M | $383K | 0.99% | 4.90% | 0.86% | 6,593 |
| Q1 2026 | $78.8M | $68.9M | $30.9M | $9.7M | $223K | 1.13% | 4.81% | 0.58% | 6,669 |
| Q4 2025 | $78.0M | $68.3M | $31.2M | $9.5M | $1.1M | 1.46% | 5.03% | 0.80% | 6,770 |
| Q3 2025 | $77.7M | $68.2M | $31.3M | $9.2M | $905K | 1.55% | 5.05% | 1.69% | 6,797 |
| Q2 2025 | $78.3M | $69.0M | $30.6M | $8.9M | $599K | 1.53% | 4.98% | 0.71% | 6,933 |
| Q1 2025 | $78.1M | $69.3M | $29.8M | $8.6M | $287K | 1.47% | 4.90% | 0.47% | 7,076 |
| Q4 2024 | $75.5M | $66.9M | $29.2M | $8.3M | $996K | 1.32% | 5.05% | 0.94% | 7,322 |
| Q3 2024 | $76.5M | $68.2M | $29.2M | $8.1M | $758K | 1.32% | 4.94% | 1.12% |
| Ratio | Bay Cities Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.65% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.4% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 7,370 |
| Q2 2024 | $76.7M | $68.4M | $29.4M | $7.8M | $463K | 1.21% | 4.86% | 1.52% | 7,436 |
Loan mix (Q2 2026): real estate $10.7M · commercial $0 · consumer $19.4M · securities $43.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 80.6% | 41st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bay Cities Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bay Cities Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Bay Cities Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bay Cities Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bay Cities Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Alameda, CA, ranked 50th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Alameda, CA | 1 | $67.4M* | 0.09% | 50th |
California: 334th with 0.00% · San Francisco-Oakland-Fremont metro: 93rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1