| Weiss Ratings |
Bay Federal Credit Union
Capitola, CA |
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| Rating | ||||
| Asset Quality Index | 10.00 | |||
| Capitalization Index | 6.10 | |||
| Liquidity Index | 4.10 | |||
| Profitability Index | 6.10 | |||
| Stability Index | 6.30 | |||
| Company Info |
Bay Federal Credit Union
Capitola, CA |
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| NCUA Charter Number | 2376 | |||
| Phone Number | (831) 479-6000 | |||
| Website | www.bayfed.com | |||
| Asset Quality |
Bay Federal Credit Union
Capitola, CA |
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| 1-Year Asset Growth | 9.08% | |||
| 5-Year Asset Growth | 8.94% | |||
| 5-Year Charge-Offs to Average Loans | 0.17% | |||
| Charge-Offs to Average Loans | 0.45% | |||
| Non-Performing Assets to Assets | 0.15% | |||
| Non-Performing Loans to Capital | 1.70% | |||
| Non-Performing Loans to Loans | 0.18% | |||
| Balance Sheet |
Bay Federal Credit Union
Capitola, CA |
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| Total Assets | 1.76B | |||
| Total Deposits | 1.58B | |||
| Capital and Reserves |
Bay Federal Credit Union
Capitola, CA |
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| Capital | 148.86M | |||
| Leverage Ratio | 9.39 | |||
| Loan Loss Reserves to Loans | 0.66% | |||
| Liquidity |
Bay Federal Credit Union
Capitola, CA |
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| Hot Money Ratio | 10.66% | |||
| Liquidity Ratio | 25.24% | |||
| Profitability |
Bay Federal Credit Union
Capitola, CA |
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| 5-Year Return on Average Assets | 0.80% | |||
| Net Income | 3.15M | |||
| Net Interest Spread | 3.79% | |||
| Operating Profit to Average Assets | 1.05% | |||
| Overhead Efficiency Ratio | 73.29% | |||
| Return on Assets | 0.73% | |||
| Return on Equity | 8.64% | |||