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BAY AREA CREDIT UNION

Dec, 31, 2023 — BAY AREA CREDIT UNION is a federally insured state chartered credit union headquartered in OREGON, OH with 1 branch location and about $78.69 million in total assets. Opened 90 years ago in 1934, BAY AREA CREDIT UNION has about 5,548 members and employs 21 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:BAY AREA CREDIT UNION
Address:
(Main Office)
4202 Navarre Ave
OREGON, OH 43616-3562
Phone:(419) 698-2962
Fax:(419) 540-0155
Website:https://www.bayareacu.com
Branches:1 branch locations
Members:5,548
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:63375
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1934
Last Audited:Dec 01, 2022
FHLB Member:Yes
Low Income Designation:No
Assets:$78,694,397
CEO/Manager:Jennifer S Tober
Chairperson:Michael Jaksetic

Call Report

  • First Time Homebuyer Program
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 3,060,500
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 17,271,351
 Unsecured Loans 4,149,024
 Other Loans 25,541,309
 TOTAL LOANS 46,961,684
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -378,245
 Land And Building 1,304,592
 Other Fixed Assets 322,833
 NCUSIF Deposit 689,271
 All Other Assets 0
  TOTAL ASSETS 78,694,397
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 38,972
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 11,489,765
 Regular shares 31,673,497
 All Other Shares & Deposits 24,991,649
  TOTAL SHARES & DEPOSITS 68,154,911
  TOTAL LIABILITIES 68,193,883
 Regular Reserve 0
 Other Reserves -418,258
 Undivided Earnings 10,918,772
  TOTAL EQUITY 10,500,514
  TOTAL LIABILITIES, SHARES, & EQUITY 78,694,397
INCOME & EXPENSE  
 Loan Income 2,489,828
 Investment Income 442,920
 Other Income 464,405
 Total Employee Compensation & Benefits 1,781,035
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,491,689
 Non-operating Income & (Expense) -125,000
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 139,924
 Cost of Funds 552,773
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 850,000
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