| Weiss Ratings |
Bay Cities Credit Union
Hayward, CA |
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| Rating | ||||
| Asset Quality Index | 7.90 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 6.20 | |||
| Profitability Index | 9.80 | |||
| Stability Index | 4.90 | |||
| 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 | 1.51% | |||
| 5-Year Asset Growth | 0.54% | |||
| 5-Year Charge-Offs to Average Loans | 0.31% | |||
| Charge-Offs to Average Loans | 0.43% | |||
| Non-Performing Assets to Assets | 0.68% | |||
| Non-Performing Loans to Capital | 5.46% | |||
| Non-Performing Loans to Loans | 1.69% | |||
| Balance Sheet |
Bay Cities Credit Union
Hayward, CA |
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| Total Assets | 77.69M | |||
| Total Deposits | 68.23M | |||
| Capital and Reserves |
Bay Cities Credit Union
Hayward, CA |
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| Capital | 9.24M | |||
| Leverage Ratio | 11.89 | |||
| Loan Loss Reserves to Loans | 1.51% | |||
| Liquidity |
Bay Cities Credit Union
Hayward, CA |
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| Hot Money Ratio | 1.80% | |||
| Liquidity Ratio | 29.32% | |||
| Profitability |
Bay Cities Credit Union
Hayward, CA |
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| 5-Year Return on Average Assets | 0.28% | |||
| Net Income | 905.00K | |||
| Net Interest Spread | 5.32% | |||
| Operating Profit to Average Assets | 1.76% | |||
| Overhead Efficiency Ratio | 70.42% | |||
| Return on Assets | 1.55% | |||
| Return on Equity | 13.74% | |||