| Weiss Ratings |
Bay Area Credit Union, Inc.
Oregon, OH |
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| Rating | ||||
| Asset Quality Index | 9.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.10 | |||
| Profitability Index | 4.10 | |||
| Stability Index | 7.10 | |||
| Company Info |
Bay Area Credit Union, Inc.
Oregon, OH |
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| NCUA Charter Number | 4957 | |||
| Phone Number | (419) 698-2962 | |||
| Website | www.bayareacu.com | |||
| Asset Quality |
Bay Area Credit Union, Inc.
Oregon, OH |
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| 1-Year Asset Growth | 4.71% | |||
| 5-Year Asset Growth | 4.26% | |||
| 5-Year Charge-Offs to Average Loans | 0.20% | |||
| Charge-Offs to Average Loans | 0.35% | |||
| Non-Performing Assets to Assets | 0.41% | |||
| Non-Performing Loans to Capital | 2.93% | |||
| Non-Performing Loans to Loans | 0.82% | |||
| Balance Sheet |
Bay Area Credit Union, Inc.
Oregon, OH |
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| Total Assets | 85.46M | |||
| Total Deposits | 73.98M | |||
| Capital and Reserves |
Bay Area Credit Union, Inc.
Oregon, OH |
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| Capital | 11.58M | |||
| Leverage Ratio | 13.86 | |||
| Loan Loss Reserves to Loans | 0.89% | |||
| Liquidity |
Bay Area Credit Union, Inc.
Oregon, OH |
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| Hot Money Ratio | 10.98% | |||
| Liquidity Ratio | 17.17% | |||
| Profitability |
Bay Area Credit Union, Inc.
Oregon, OH |
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| 5-Year Return on Average Assets | 0.69% | |||
| Net Income | 334.00K | |||
| Net Interest Spread | 4.06% | |||
| Operating Profit to Average Assets | 0.67% | |||
| Overhead Efficiency Ratio | 86.23% | |||
| Return on Assets | 0.52% | |||
| Return on Equity | 3.90% | |||