Overview / Commentary
304 Sutton Place
Santa Rosa, CA 95407

North Bay Credit Union is headquartered in Santa Rosa and is the 197th largest credit union in the state of California. It is also the 2,342nd largest credit union in the nation. It was established in 1948 and as of September of 2018, it had grown to 13 employees and 2,450 members at 3 locations. North Bay Credit Union's CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in North Bay Credit Union is open to most everyone who lives or works in the North Bay community.
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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. North Bay Credit Union has a low asset base.

Health Grade Components

NCUA #63373
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD3%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$49.3MM$46.0MM
LoansQ3 2018vs Q3 2017$35.0MM$31.7MM
DepositsQ3 2018vs Q3 2017$43.4MM$40.5MM
Equity CapitalQ3 2018vs Q3 2017$5.6MM$5.5MM
Loan Loss AllowanceQ3 2018vs Q3 2017$139.00K$100.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$47.00K$4.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

North Bay Credit Union Savings Account Rates

0.50%*-$10kKasasa Saver
OTHER TIERS: 0.20% $10k+

North Bay Credit Union Checking Account Rates

2.00%*-$10kKasasa Cash
OTHER TIERS: 0.20% $10k+

North Bay Credit Union CD Rates

3.03%*$100k*-60 Month CD
OTHER TIERS: 2.52% $1k - $50k | 2.88% $50k - $100k
2.83%*$100k*-48 Month CD
OTHER TIERS: 2.27% $1k - $50k | 2.63% $50k - $100k
2.63%*$100k*-36 Month CD
OTHER TIERS: 2.02% $1k - $50k | 2.37% $50k - $100k
2.32%*$100k*-24 Month CD
OTHER TIERS: 1.76% $1k - $50k | 1.86% $50k - $100k
2.02%*$100k*-12 Month CD
OTHER TIERS: 1.51% $1k - $50k | 1.76% $50k - $100k
1.51%$1k-6 Month CD

North Bay Credit Union Locations
Branch Office304 Sutton PlSanta Rosa, CA 95407-8121
Branch Office1357 Healdsburg AveHealdsburg, CA 95448-3246
Branch Office8520 S Sandy PkwySandy, UT 84070-6422

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