Bay Cities

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$78.0M

29^th percentile

Members

6,770

43^th percentile

Total loans

$31.2M

16^th percentile

Total shares

$68.3M

31^th percentile

Profitability

Return on assets

1.70%

85^th percentile

Net interest margin

5.03%

96^th percentile

Efficiency ratio

69.30%

28^th percentile

Non-interest income ratio

14.68%

37^th percentile

Capital & Risk

Net worth ratio

12.14%

49^th percentile

Delinquency rate

0.80%

45^th percentile

Net charge-off rate

0.53%

30^th percentile

Loan-to-share

45.66%

15^th percentile

Growth

Member growth YoY

-7.54%

6^th percentile

Asset growth YoY

3.31%

45^th percentile

Loan growth YoY

6.80%

77^th percentile

Share growth YoY

2.04%

38^th percentile

Operations

Members / branch

6,770

93^th percentile

Assets / member

$11,524

24^th percentile

Field of membership penetration

11.28%

61^th percentile

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