Bay Cities
Bay Cities is a credit union based in Hayward, California, established in 1953, with $79 million in total assets serving 6,669 members. By Trust Grade it ranks 25th of 241 credit unions we track in California. Its net worth ratio of 12.3% trails most similarly sized credit unions (35th percentile), versus a California median of 11.1%. It was profitable over the most recent period, with a 1.13% return on assets. No consumer complaints against Bay Cities appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Bay Cities compares to California peers
How we graded Bay Cities
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.3% capital ratio)
- Strongly profitable (ROA 1.13%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Bay Cities over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Bay Cities insured?
Yes. Bay Cities is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Bay Cities: frequently asked questions
Is Bay Cities a good credit union?
Bay Cities earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.3% capital ratio); Strongly profitable (ROA 1.13%).
Is Bay Cities NCUA-insured?
Yes. Bay Cities is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Bay Cities?
Bay Cities holds $79 million in total assets, ranking 25th of 241 credit unions we track in California. It serves 6,669 members.
Does Bay Cities have CFPB complaints?
No CFPB complaints against Bay Cities appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
