Bay Area Credit Union

4202 Navarre Avenue
Oregon, OH 43616
800-473-1937
www.bayareacu.com

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Bay Area Credit Union is headquartered in Oregon and is the 93^rd largest credit union in the state of Ohio. It is also the 2,205^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 16 employees and 5,401 members. Bay Area Credit Union has a 4-star health rating.

Top Long-Term CD Rates at Bay Area Credit Union in Ohio - Local Only - 4/11/2012

Bay Area Credit Union is offering three competitive long-term share certificate rates. The include a 2.50% APY for 5 years, 2.25% APY for 4 years and 1.50% APY for 3 years. The same rates are also ava ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Bay Area Credit Union Checking Account Rates

Apy	Min	Max	Product
0.15%	$10k	-	High Yield Checking Account
0.10%	-	-	Checking Plus Account

Bay Area Credit Union Savings Account Rates

Apy	Min	Max	Product
2.02%	-	$3,500	Wealth Builder Savings Account
0.50%	-	-	CESA Account
0.30%	$25k	-	Traditional IRA Account
0.30%	$25k	-	Roth IRA Account
0.25%	-	-	Holiday Club Account
0.10%	-	-	Savings Account

Bay Area Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.50%	$100k	-	Money Market Account

Bay Area Credit Union CD Rates

Apy	Min	Max	Product
1.50%	$1k	-	60 Month Share Certificate
1.30%	$1k	-	48 Month Share Certificate
1.01%	$1k	-	36 Month Share Certificate
0.50%	$1k	-	24 Month Share Certificate
0.40%	$1k	-	12 Month Share Certificate
0.20%	$1k	-	6 Month Share Certificate

Bay Area Credit Union IRA Rates

Apy	Min	Max	Product
1.50%	$1k	-	60 Month IRA Certificate
1.50%	$1k	-	60 Month Roth IRA Certificate
1.50%	$1k	-	60 Month CESA Certificate
1.30%	$1k	-	48 Month IRA Certificate
1.30%	$1k	-	48 Month Roth IRA Certificate
1.30%	$1k	-	48 Month CESA Certificate
1.01%	$1k	-	36 Month IRA Certificate
1.01%	$1k	-	36 Month Roth IRA Certificate
1.01%	$1k	-	36 Month CESA Certificate
0.50%	$1k	-	24 Month IRA Certificate
0.50%	$1k	-	24 Month Roth IRA Certificate
0.50%	$1k	-	24 Month CESA Certificate
0.40%	$1k	-	12 Month IRA Certificate
0.40%	$1k	-	12 Month Roth IRA Certificate
0.40%	$1k	-	12 Month CESA Certificate
0.20%	$1k	-	6 Month IRA Certificate
0.20%	$1k	-	6 Month Roth IRA Certificate
0.20%	$1k	-	6 Month CESA Certificate

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

BAY AREA
NCUA #	63375
BankRate Report	View
Year Chartered	1934
Employees	16
Primary Regulator
Assets and Liabilities
Assets	$51.67 million
Loans	$31.62 million
Deposits	$44.37 million
Equity Capital	$6.41 million
Loan Loss Allowance	$243,000
Unbacked Noncurrent Loans	$745,000
Real Estate Owned	$184,000
Historic Data - December 2010
Assets	$51.60 million
Equity Capital	$6.11 million
Loan Loss Allowance	$310,000
Unbacked Noncurrent Loans	$724,000
Real Estate Owned	$294,000
Profit Margin - Quarterly
Net Interest Margin	5.53%
Return on Assets	0.81%
Return on Equity	6.55%
Interest Income	$2.35 million
Non-Interest Income	$506,000

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bay Area Credit Union had $929,000 in non-current loans and owned real-estate with $6.66 million in equity and loan loss allowances on hand to cover it. This gives Bay Area Credit Union a Texas Ratio of 13.96% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Bay Area Credit Union held steady from 15.87% as of December 31, 2010 to 13.96% as of December 31, 2011, resulting in a positive change of 12.03%.This indicates that the balance sheet and financial strength for Bay Area Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Bay Area Credit Union has decreased its total deposits by $-341,000, resulting in -0.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bay Area Credit Union has shown is average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bay Area Credit Union has $51.67 million in assets with $6.66 million in equity, resulting in a capitalization level of 12.88%, which is excellent.