# BAY CITIES
Hayward, CA · NCUA charter 68316 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bay-cities-68316

Who the members are: state charter, organized 1953. 6,669 members of 60,000 potential (11.1% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *quiet fade*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $78.8M |
| Members | 6,669 (-5.8% YoY) |
| Full-time staff | 15 |
| Net worth | $9.7M |
| Net worth ratio | 12.3% (p45 of band) |
| ROA (annualized) | 1.13% (p72 of band) |
| Total delinquency | 0.58% (p48 of band) |
| Net charge-offs (annualized) | 0.74% (p82 of band) |
| Loans / shares | 45% (p21 of band) |
| Cash / assets | 59.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.81% (p94 of band) |
| Operating expense / assets | 4.25% (p73 of band) |
| Vehicles % of loans | 48% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.64% (p54 of band) |
| Vehicle NCO | 1.00% (p81 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 5% |
| Average share balance | $7,146 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $9,920 |
| Loans granted, annualized | $9.9M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 | delinquency rising | auto monoline |
| 2017-09 | 4 | delinquency 2x band, members leaving |  |
| 2017-12 | 3 |  | delinquency 2x band |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 2 | charge-offs p90 | thin capital |
| 2019-03 | 2 | assets shrinking | charge-offs p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | assets shrinking |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | margin squeeze, loan book shrinking |  |
| 2020-09 | 6 | thin capital, net worth falling, losing money |  |
| 2020-12 | 7 | auto monoline |  |
| 2021-03 | 8 | delinquency 2x band |  |
| 2021-06 | 8 | delinquency rising | loan book shrinking |
| 2021-09 | 6 |  | members leaving, net worth falling |
| 2021-12 | 4 |  | delinquency 2x band, delinquency rising |
| 2022-03 | 5 | net worth falling |  |
| 2022-06 | 4 |  | margin squeeze |
| 2022-09 | 3 |  | net worth falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 5 | delinquency 2x band, members leaving |  |
| 2023-06 | 4 | delinquency rising, assets shrinking | losing money, auto monoline, delinquency 2x band |
| 2023-09 | 3 |  | delinquency rising |
| 2023-12 | 3 | delinquency rising | thin capital |
| 2024-03 | 3 | delinquency 2x band | delinquency rising |
| 2024-06 | 4 | delinquency rising |  |
| 2024-09 | 3 |  | delinquency 2x band |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 1 |  | assets shrinking |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-06-18 [Bay Cities Bank bought for $101.6 million - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMipwFBVV95cUxQOVRqYlBhTFEyUThUSUZjbnRCYXE3QnlWWGxFMXNMSWVzclJwTk9abHFvdWdCSHZvZVZGb284Y1BNSlg5M2RYbG5KdGFPVHFaTVhrQ2ptZThkSE00S0t1U09vTjdjdkprN2pjeFpRdTBJa2x2LUVpRU5aTFk4V2ZYNWsyWjl0WHVidUlKZnA1cmpwR3B2NS1xelZwdFlFY0ZBR2JsU3VoUQ?oc=5) · Sarasota Herald-Tribune
- 2024-05-10 [John Stevko Obituary - Hayward, CA - eastbaytimes.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5lRTRTcDc2dWNHaHlYbEk2cF9qVEhLWWF5Q0ZxbjlFak1JUnlzTnJHRlFGSUVsbWM5dVVYdndOdmZRYnBVZzZCOFZGV0ppUzBEa2U0M1NqNmlteWZzd2RPWmpB?oc=5) · eastbaytimes.com
- 2022-05-11 [Robert Maginnis Obituary (2022) - San Francisco, CA - San Francisco Chronicle - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOSDlIekw2SndhQURWanBKNXdNc1NmZmlMNjZOLW1uc2M1Ym5ha0RGY1hsQnpGNlRiTnJZVkpKanYxMnlpZlIwLXZWRmw5dF95N3h6R2Z4YmFuQ0VMVE94X0hvQ3JqNjgxQmMwb2ZIQktWdmI0WmlHXzRXVjNCWEotXzJ0VWx6dEliaHllNXNR?oc=5) · legacy.com
- 2019-04-15 [El Segundo and Redondo Beach will get Chick-fil-A locations this year - Daily Breeze](https://news.google.com/rss/articles/CBMikgFBVV95cUxOQ2puamRmRnZmaGNUQTBtZHl3Wks1QzRDUnQ1ZFZ6M2NibkxQSm9BdG8yNGp4NXhrcTlBYUwtUmZHMzFxWkFBYktoZFhKdGM0VUtGQ3haeC1kOThkNWg2ZXJiVkdxRTcwMVdIekZFbUk5REoyUHlWd0tBeWN5V2RKSTZzWlRfMmNoSTYxS1lFS1VOUQ?oc=5) · Daily Breeze
- 2011-03-23 [Does Someone Owe You Money? Part 8 - Patch](https://news.google.com/rss/articles/CBMijwFBVV95cUxQMk9rNkpjS1dCOWpmbVpLdmtlWDFZb2p5TDladDlscTE4R1lxZUVrbDVMR0doWTlSRXFBWVJWZkI3dU1kaV9kcVM1MzdTbUt2ZkNKeHpvcl9aQTN3WGZlTzJVLWdCa0tLclU1V1g3RWRXRmZqTm1uVUhwUFRSV3o3cHZQWGlhMlBuYWpGNl9yOA?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68316 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/28.json (key "68316", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68316
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide