Bay
Bay is a credit union based in Capitola, California, established in 1957, with $1.9 billion in total assets serving 97,218 members. By Trust Grade it ranks 118th of 241 credit unions we track in California. Its net worth ratio of 9.7% trails most similarly sized credit unions (26th percentile), versus a California median of 11.1%. It was profitable over the most recent period, with a 0.89% return on assets. No consumer complaints against Bay appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Bay compares to California peers
How we graded Bay
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.7% capital ratio)
- Profitable (ROA 0.89%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Bay over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Bay insured?
Yes. Bay is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Bay: frequently asked questions
Is Bay a good credit union?
Bay earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Well-capitalized (9.7% capital ratio); Profitable (ROA 0.89%).
Is Bay NCUA-insured?
Yes. Bay is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Bay?
Bay holds $1.9 billion in total assets, ranking 118th of 241 credit unions we track in California. It serves 97,218 members.
Does Bay have CFPB complaints?
No CFPB complaints against Bay appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
