North Bay Credit Union is headquartered in Santa Rosa and is the 144th largest credit union in the state of California. It is also the 1,689th largest credit union in the nation. It was established in 1948 and as of March of 2025, it had grown to 53 employees and 2,930 members at 4 locations. North Bay Credit Union has a B+ health rating.
Field of Membership Restrictions
Membership in North Bay Credit Union is open to individuals who live, work, or worship in the California counties of Marin, Napa, Solano, or Sonoma.
See current membership details
Abysmal Financial Institution
This is the worst financial institution I've had the displeasure to work with. Their interest rates are some of the lowest (in 2021, the APY for a high yield 4-year CD was only 1%), while their account fees and penalties are some of the highest (domestic wire transfers are $35, early withdrawal penalty for 4 year CD is 360 days interest!). Everything has to be done in person. Their offices look abandonned, dimly lit and sparsely furnished, and I have never seen any other customer in there. The service at NorthBay CU is very unprofessional: upon closing my accounts, I was not given a receipt or bill detailing the penalty and various amounts deducted, and they didn't return the statement I handed them to facilitate the finding of my account.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 63373 |
| Year Chartered | 1948 |
| Employees | 53 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.44% |
| Return on Equity - YTD | -6.98% |
| Annual Interest Income | $1.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $118.9MM$118.7MM |
| Loans | Q1 2025vs Q1 2024 | $105MM$102.7MM |
| Deposits | Q1 2025vs Q1 2024 | $109.5MM$106.8MM |
| Equity Capital | Q1 2025vs Q1 2024 | $7.4MM$9.4MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $245K$278K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $754K$896K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |