Overview / Commentary
Bay Area Credit Union is headquartered in Oregon and is the 82nd largest credit union in the state of Ohio. It is also the 1,973rd largest credit union in the nation. It was established in 1934 and as of March of 2025, it had grown to 20 employees and 5,410 members at 1 location. Bay Area Credit Union has an A health rating.
Field of Membership Restrictions
Membership Bay Area Credit Union is open to anyone who lives works, attends church, or attends school in the Ohio counties of Lucas, Ottawa, Sandusky, or Wood. Family members of a current Bay Area Credit Union member are also eligible to join.
See current membership details
Health
A
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Bay Area Credit Union has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 63375 |
| Year Chartered | 1934 |
| Employees | 20 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.49% |
| Return on Equity - YTD | 3.57% |
| Annual Interest Income | $906K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $85.4MM$81.3MM |
| Loans | Q1 2025vs Q1 2024 | $43.1MM$45.9MM |
| Deposits | Q1 2025vs Q1 2024 | $74.1MM$70.7MM |
| Equity Capital | Q1 2025vs Q1 2024 | $11.3MM$10.6MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $347K$365K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $205K$173K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |