Bay Area Credit Union

Overview / Commentary
4202 Navarre Ave
Oregon, OH 43616

Bay Area Credit Union is headquartered in Oregon and is the 83rd largest credit union in the state of Ohio. It is also the 2,075th largest credit union in the nation. It was established in 1934 and as of September of 2022, it had grown to 22 employees and 5,606 members at 1 location. Bay Area Credit Union has an A health rating.

Field of Membership Restrictions

Bay Area CU is open to anyone who resides, works, attends church, or is a registered student in the counties of Lucas, Wood, Ottawa, and Sandusky or anyone who is related to a current CU member.
See current membership details


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Additional 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

NCUA #63375
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD2.16%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$80.2MM$78.3MM
LoansQ3 2022vs Q3 2021$46.0MM$42.9MM
DepositsQ3 2022vs Q3 2021$69.2MM$68.5MM
Equity CapitalQ3 2022vs Q3 2021$9.6MM$8.9MM
Loan Loss AllowanceQ3 2022vs Q3 2021$234.00K$265.00K
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$249.00K$403.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$0

Rates for Bay Area Credit Union are currently being reviewed.


Bay Area Credit Union Locations
Branch Office4202 Navarre AveOregon, OH 43616-3562

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