Sep, 30, 2025 — NORTH BAY CREDIT UNION is a federally insured state chartered credit union headquartered in SANTA ROSA, CA with 4 branch locations and about $115.04 million in total assets. Opened 78 years ago in 1948, NORTH BAY CREDIT UNION has about 2,947 members and employs 50 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | NORTH BAY CREDIT UNION |
|---|---|
| Address: (Main Office) | 397 Aviation Blvd SANTA ROSA, CA 95403 |
| Phone: | (707) 584-0384 |
| Fax: | (707) 584-3811 |
| Website: | https://www.northbaycu.com |
| Branches: | 4 branch locations |
| Members: | 2,947 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 63373 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1948 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $115,036,866 |
| CEO/Manager: | Darlene Brown |
| Chairperson: | Dominic Tramontin |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,834,560 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 99,978,518 |
| Unsecured Loans | 505,393 |
| Other Loans | 3,855,534 |
| TOTAL LOANS | 104,339,445 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,463,533 |
| Land And Building | 0 |
| Other Fixed Assets | 323,725 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 542,612 |
| All Other Assets | 0 |
| TOTAL ASSETS | 115,036,866 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 295 |
| Notes & Interest Payable | 8,762,896 |
| Accounts Payable & Other Liabilities | 2,129,229 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 42,826,859 |
| Regular shares | 22,039,841 |
| All Other Shares & Deposits | 33,425,244 |
| TOTAL SHARES & DEPOSITS | 98,291,944 |
| TOTAL LIABILITIES | 109,184,364 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 5,852,502 |
| TOTAL EQUITY | 5,852,502 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 115,036,866 |
| INCOME & EXPENSE | |
| Loan Income | 5,339,963 |
| Investment Income | 65,467 |
| Other Income | 3,217,146 |
| Total Employee Compensation & Benefits | 4,706,439 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,456,145 |
| Non-operating Income & (Expense) | 233,871 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,250,030 |
| Cost of Funds | 1,344,937 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -1,725,572 |
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