Sep, 30, 2025 — BAY AREA CREDIT UNION is a federally insured state chartered credit union headquartered in OREGON, OH with 1 branch location and about $85.46 million in total assets. Opened 92 years ago in 1934, BAY AREA CREDIT UNION has about 5,399 members and employs 22 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: | 5,399 |
| 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, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $85,459,840 |
| CEO/Manager: | Jennifer S Tober |
| Chairperson: | Michael Jaksetic |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,984,077 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 17,177,037 |
| Unsecured Loans | 4,306,564 |
| Other Loans | 21,465,246 |
| TOTAL LOANS | 42,948,847 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -383,611 |
| Land And Building | 1,220,879 |
| Other Fixed Assets | 292,272 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 672,576 |
| All Other Assets | 0 |
| TOTAL ASSETS | 85,459,840 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | -97,413 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 11,930,361 |
| Regular shares | 31,472,638 |
| All Other Shares & Deposits | 30,575,785 |
| TOTAL SHARES & DEPOSITS | 73,978,784 |
| TOTAL LIABILITIES | 73,881,371 |
| Regular Reserve | 0 |
| Other Reserves | -214,554 |
| Undivided Earnings | 11,793,023 |
| TOTAL EQUITY | 11,578,469 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 85,459,840 |
| INCOME & EXPENSE | |
| Loan Income | 2,036,882 |
| Investment Income | 846,513 |
| Other Income | 340,999 |
| Total Employee Compensation & Benefits | 1,561,144 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,131,959 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 96,313 |
| Cost of Funds | 722,728 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 334,252 |
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