| Weiss Ratings |
Bay Cities Credit Union
Hayward, CA |
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| Rating | ||||
| Asset Quality Index | 8.80 | |||
| Capitalization Index | 9.30 | |||
| Liquidity Index | 6.40 | |||
| Profitability Index | 8.70 | |||
| Stability Index | 4.80 | |||
| Company Info |
Bay Cities Credit Union
Hayward, CA |
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| NCUA Charter Number | 6165 | |||
| Phone Number | (510) 690-6100 | |||
| Website | www.baycities.org/ | |||
| Asset Quality |
Bay Cities Credit Union
Hayward, CA |
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| 1-Year Asset Growth | 2.15% | |||
| 5-Year Asset Growth | 0.54% | |||
| 5-Year Charge-Offs to Average Loans | 0.31% | |||
| Charge-Offs to Average Loans | 0.40% | |||
| Non-Performing Assets to Assets | 0.28% | |||
| Non-Performing Loans to Capital | 1.53% | |||
| Non-Performing Loans to Loans | 0.47% | |||
| Balance Sheet |
Bay Cities Credit Union
Hayward, CA |
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| Total Assets | 78.33M | |||
| Total Deposits | 69.01M | |||
| Capital and Reserves |
Bay Cities Credit Union
Hayward, CA |
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| Capital | 8.93M | |||
| Leverage Ratio | 11.40 | |||
| Loan Loss Reserves to Loans | 1.58% | |||
| Liquidity |
Bay Cities Credit Union
Hayward, CA |
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| Hot Money Ratio | 1.03% | |||
| Liquidity Ratio | 29.18% | |||
| Profitability |
Bay Cities Credit Union
Hayward, CA |
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| 5-Year Return on Average Assets | 0.28% | |||
| Net Income | 599.00K | |||
| Net Interest Spread | 5.32% | |||
| Operating Profit to Average Assets | 1.78% | |||
| Overhead Efficiency Ratio | 70.98% | |||
| Return on Assets | 1.55% | |||
| Return on Equity | 13.89% | |||