| Weiss Ratings |
Bay Cities Credit Union
Hayward, CA |
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| Rating | ||||
| Asset Quality Index | 7.80 | |||
| Capitalization Index | 6.90 | |||
| Liquidity Index | 6.90 | |||
| Profitability Index | 5.50 | |||
| Stability Index | 3.80 | |||
| 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 | -6.98% | |||
| 5-Year Asset Growth | 1.50% | |||
| 5-Year Charge-Offs to Average Loans | 0.36% | |||
| Charge-Offs to Average Loans | 0.56% | |||
| Non-Performing Assets to Assets | 0.41% | |||
| Non-Performing Loans to Capital | 4.19% | |||
| Non-Performing Loans to Loans | 1.14% | |||
| Balance Sheet |
Bay Cities Credit Union
Hayward, CA |
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| Total Assets | 80.49M | |||
| Total Deposits | 72.38M | |||
| Capital and Reserves |
Bay Cities Credit Union
Hayward, CA |
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| Capital | 7.56M | |||
| Leverage Ratio | 9.39 | |||
| Loan Loss Reserves to Loans | 0.96% | |||
| Liquidity |
Bay Cities Credit Union
Hayward, CA |
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| Hot Money Ratio | 0.50% | |||
| Liquidity Ratio | 39.19% | |||
| Profitability |
Bay Cities Credit Union
Hayward, CA |
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| 5-Year Return on Average Assets | 0.14% | |||
| Net Income | 221.00K | |||
| Net Interest Spread | 4.78% | |||
| Operating Profit to Average Assets | 1.57% | |||
| Overhead Efficiency Ratio | 70.86% | |||
| Return on Assets | 1.10% | |||
| Return on Equity | 11.87% | |||