| Weiss Ratings |
Bay Federal Credit Union
Capitola, CA |
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| Rating | ||||
| Asset Quality Index | 9.60 | |||
| Capitalization Index | 6.70 | |||
| Liquidity Index | 4.00 | |||
| Profitability Index | 8.00 | |||
| Stability Index | 6.50 | |||
| 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 | 9.42% | |||
| 5-Year Asset Growth | 8.94% | |||
| 5-Year Charge-Offs to Average Loans | 0.17% | |||
| Charge-Offs to Average Loans | 0.38% | |||
| Non-Performing Assets to Assets | 0.25% | |||
| Non-Performing Loans to Capital | 2.56% | |||
| Non-Performing Loans to Loans | 0.32% | |||
| Balance Sheet |
Bay Federal Credit Union
Capitola, CA |
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| Total Assets | 1.82B | |||
| Total Deposits | 1.63B | |||
| Capital and Reserves |
Bay Federal Credit Union
Capitola, CA |
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| Capital | 165.65M | |||
| Leverage Ratio | 9.69 | |||
| Loan Loss Reserves to Loans | 0.71% | |||
| Liquidity |
Bay Federal Credit Union
Capitola, CA |
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| Hot Money Ratio | 10.76% | |||
| Liquidity Ratio | 24.14% | |||
| Profitability |
Bay Federal Credit Union
Capitola, CA |
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| 5-Year Return on Average Assets | 0.80% | |||
| Net Income | 14.56M | |||
| Net Interest Spread | 3.91% | |||
| Operating Profit to Average Assets | 1.42% | |||
| Overhead Efficiency Ratio | 67.97% | |||
| Return on Assets | 1.10% | |||
| Return on Equity | 12.64% | |||