North Bay Credit Union


Overview / Commentary
707-584-0384
397 Aviation Blvd
Santa Rosa, CA 95403

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

Reviews (1)

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.



Health
B+

Health Grade Components

Overall
NCUA #63373
Year Chartered1948
Employees53
Primary Regulator
Profit Margin
Return on Assets - YTD-0.44%
Return on Equity - YTD-6.98%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$118.9MM$118.7MM
LoansQ1 2025vs Q1 2024$105MM$102.7MM
DepositsQ1 2025vs Q1 2024$109.5MM$106.8MM
Equity CapitalQ1 2025vs Q1 2024$7.4MM$9.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$245K$278K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$754K$896K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

Rates for North Bay Credit Union are currently being reviewed.

Locations


North Bay Credit Union Locations
Branch Office397 Aviation BlvdSanta Rosa, CA 95403
Branch Office1357 Healdsburg AveHealdsburg, CA 95448-3246
Branch Office101 Golf Course DrRohnert Park, CA 94928
Branch Office201 Nino Marco SqSonoma, CA 95476

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.