Sep, 30, 2025 — BAY CITIES CREDIT UNION is a federally insured state chartered credit union headquartered in HAYWARD, CA with 1 branch location and about $77.69 million in total assets. Opened 73 years ago in 1953, BAY CITIES CREDIT UNION has about 6,797 members and employs 19 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 CITIES CREDIT UNION |
|---|---|
| Address: (Main Office) | 22777 Main St HAYWARD, CA 94541-5113 |
| Phone: | (510) 690-6100 |
| Fax: | (510) 881-1929 |
| Website: | https://www.baycities.org |
| Branches: | 1 branch locations |
| Members: | 6,797 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68316 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $77,694,162 |
| CEO/Manager: | Georgette Munoz |
| Chairperson: | Norman Weisbrod |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,995,345 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 10,196,133 |
| Unsecured Loans | 4,791,043 |
| Other Loans | 16,302,980 |
| TOTAL LOANS | 31,290,156 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -473,246 |
| Land And Building | 272,749 |
| Other Fixed Assets | 101,232 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 639,440 |
| All Other Assets | 0 |
| TOTAL ASSETS | 77,694,162 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 225,955 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 12,703,364 |
| Regular shares | 45,557,625 |
| All Other Shares & Deposits | 9,966,809 |
| TOTAL SHARES & DEPOSITS | 68,227,798 |
| TOTAL LIABILITIES | 68,455,946 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 9,238,216 |
| TOTAL EQUITY | 9,238,216 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 77,694,162 |
| INCOME & EXPENSE | |
| Loan Income | 1,604,939 |
| Investment Income | 1,431,711 |
| Other Income | 169,323 |
| Total Employee Compensation & Benefits | 1,115,872 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,324,298 |
| Non-operating Income & (Expense) | -4,824 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 118,688 |
| Cost of Funds | 95,903 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 905,417 |
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