2. Bay Area Credit Union

Bay Area Credit Union


Overview / Commentary
www.bayareacu.com
419-698-2962
4202 Navarre Ave
Oregon, OH 43616-3562

Bay Area Credit Union is headquartered in Oregon and is the 89th largest credit union in the state of Ohio. It is also the 2,094th largest credit union in the nation. It was established in 1934 and as of December of 2018, it had grown to 19 employees and 5,810 members at 1 location. Bay Area Credit Union's money market rates are 2X the national average, and it has a B+ 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.
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Health
B+

Data as of Q4 2018

Learn why bank health matters
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

Overall
NCUA #63375
Year Chartered1934
Employees19
Primary Regulator
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD3.16%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$61.9MM$61.0MM
LoansQ4 2018vs Q4 2017$40.7MM$41.9MM
DepositsQ4 2018vs Q4 2017$53.0MM$52.6MM
Equity CapitalQ4 2018vs Q4 2017$7.9MM$7.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$256.00K$143.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$558.00K$623.00K
Real Estate OwnedQ4 2018vs Q4 2017$104.00K$25.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bay Area Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$3.5kWealth Builder
OTHER TIERS: 0.10% → $3.5k+
0.99%*-$10kKasasa Saver
OTHER TIERS: 0.25% → $10k+
0.30%--Traditional IRA
0.30%--Roth IRA
0.15%--Holiday Club
0.10%--Savings
0.10%--Secondary Savings Account

Bay Area Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%*$100k*-Money Market
OTHER TIERS: 0.80% → $2.5k - $50k | 0.90% → $50k - $100k

Bay Area Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$10kKasasa Cash
OTHER TIERS: 0.25% → $10k+
2.00%*$10k*-Plus checking
OTHER TIERS: 0.05% → Up to $10k

Bay Area Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.70%$1k-60 Month Share Certificate
2.25%$1k-48 Month Share Certificate
2.00%$1k-36 Month Share Certificate
1.70%$1k-24 Month Share Certificate
1.25%$1k-12 Month Share Certificate
0.60%$1k-6 Month Share Certificate

Bay Area Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.70%$1k-60 Month IRA Certificate
2.25%$1k-48 Month IRA Certificate
2.00%$1k-36 Month IRA Certificate
1.70%$1k-24 Month IRA Certificate
1.25%$1k-12 Month IRA Certificate
0.60%$1k-6 Month IRA Certificate
Locations


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

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