Bay Area
Bay Area is a credit union based in Oregon, Ohio, established in 1934, with $109 million in total assets serving 7,400 members. By Trust Grade it ranks 98th of 195 credit unions we track in Ohio. Its net worth ratio of 11.3% is stronger than 51% of similarly sized credit unions, versus a Ohio median of 12%. It was profitable over the most recent period, with a 0.58% return on assets. No consumer complaints against Bay Area appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Bay Area compares to Ohio peers
How we graded Bay Area
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.3% capital ratio)
- Profitable (ROA 0.58%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Bay Area over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Bay Area insured?
Yes. Bay Area 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 Area: frequently asked questions
Is Bay Area a good credit union?
Bay Area earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Strongly capitalized (11.3% capital ratio); Profitable (ROA 0.58%).
Is Bay Area NCUA-insured?
Yes. Bay Area 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 Area?
Bay Area holds $109 million in total assets, ranking 98th of 195 credit unions we track in Ohio. It serves 7,400 members.
Does Bay Area have CFPB complaints?
No CFPB complaints against Bay Area 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.
