Bay Area

Oregon, OH · 2 · Charter #63375 · www.bayareacu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

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
$105.5M
49th percentile
Members
7,488
49th percentile
Total loans
$52.2M
42th percentile
Total shares
$92.0M
51th percentile

Profitability

Return on assets
0.87%
39th percentile
Net interest margin
3.00%
18th percentile
Efficiency ratio
66.93%
36th percentile
Non-interest income ratio
27.82%
90th percentile

Capital & Risk

Net worth ratio
11.50%
41th percentile
Delinquency rate
1.07%
30th percentile
Net charge-off rate
0.24%
61th percentile
Loan-to-share
56.71%
31th percentile

Growth

Member growth YoY
37.42%
99th percentile
Asset growth YoY
29.65%
99th percentile
Loan growth YoY
19.59%
97th percentile
Share growth YoY
30.71%
99th percentile

Operations

Members / branch
2,496
36th percentile
Assets / member
$14,096
47th percentile
Field of membership penetration
14.98%
66th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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