North Bay

Santa Rosa, CA · 2 · Charter #63373 · www.northbaycu.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
$114.4M
54th percentile
Members
2,830
4th percentile
Total loans
$98.4M
75th percentile
Total shares
$69.8M
33th percentile

Profitability

Return on assets
-1.02%
1th percentile
Net interest margin
4.65%
91th percentile
Efficiency ratio
92.88%
1th percentile
Non-interest income ratio
38.89%
99th percentile

Capital & Risk

Net worth ratio
4.69%
0th percentile
Delinquency rate
3.34%
3th percentile
Net charge-off rate
0.17%
72th percentile
Loan-to-share
141.00%
100th percentile

Growth

Member growth YoY
-4.62%
13th percentile
Asset growth YoY
-2.37%
9th percentile
Loan growth YoY
-7.76%
9th percentile
Share growth YoY
-31.55%
0th percentile

Operations

Members / branch
708
0th percentile
Assets / member
$40,416
99th percentile
Field of membership penetration
0.57%
7th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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