Credit Union Safety Analysis
Is Bay Federal Credit Union Safe? Capitola, California
Based on its Q2 2026 NCUA 5300 call report, Bay Federal Credit Union has a net worth ratio of 9.85%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.31%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Bay Federal Credit Union's net worth ratio is 9.85%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.85%
- Delinquency ratio (60+ days) (Q2 2026): 0.31%
- Return on assets (Q2 2026): 0.85%
- Loan-to-share ratio (Q2 2026): 70.52%
Bay Federal Credit Union (NCUA charter 12067, established 1957) reported $1.91B in assets and 96,735 members for Q2 2026 from Capitola, California. It ranks 38 of 238 credit unions in California by total assets. Total assets grew 7.3% from $1.78B on June 30, 2025. It has 3,561 more members than on June 30, 2025 (+3.8%). Its net worth ratio was up 0.16 percentage points from 9.69% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $604.9M of $1.20B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.31% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.71% for Q1 2026; 9.69% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.17% for Q1 2026; 0.25% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.89% for Q1 2026; 1.66% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 69.35% for Q1 2026; 71.36% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $604.9M
- Used vehicle loans: $322.5M
- New vehicle loans: $95.4M
- Other secured non-real estate loans and lines of credit: $68.2M
- Commercial loans: $49.4M
- Unsecured credit card loans: $32.6M
- Other unsecured loans and lines of credit: $25.9M
- Non-federally guaranteed student loans: $85K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.91B | 9.85% | 0.31% | 0.85% | 70.52% |
| March 31, 2026 | $1.89B | 9.71% | 0.17% | 0.89% | 69.35% |
| December 31, 2025 | $1.85B | 9.69% | 0.20% | 0.95% | 70.50% |
| September 30, 2025 | $1.82B | 9.69% | 0.32% | 0.89% | 71.37% |
| June 30, 2025 | $1.78B | 9.69% | 0.25% | 1.66% | 71.36% |
| March 31, 2025 | $1.76B | 9.38% | 0.18% | 0.72% | 70.72% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Bay Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 12067) · FFIEC NIC profile (RSSD 280688)
Frequently asked questions
Is Bay Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Bay Federal Credit Union's net worth ratio is 9.85%, above the 7% NCUA threshold for well capitalized.
Is Bay Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Bay Federal Credit Union is a federally insured credit union (NCUA charter 12067): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Bay Federal Credit Union's key safety ratios?
For Q2 2026, Bay Federal Credit Union reports net worth 9.85%, delinquency 0.31%, ROA 0.85%, loan-to-share 70.52%.
What happens to my money if Bay Federal Credit Union fails?
For Q2 2026, Bay Federal Credit Union held $1.70B in shares and deposits for 96,735 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.