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BAY CITIES CREDIT UNION

Dec, 31, 2023 — BAY CITIES CREDIT UNION is a federally insured state chartered credit union headquartered in HAYWARD, CA with 1 branch location and about $79.66 million in total assets. Opened 71 years ago in 1953, BAY CITIES CREDIT UNION has about 7,776 members and employs 18 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:7,776
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, 2023
FHLB Member:No
Low Income Designation:No
Assets:$79,656,852
CEO/Manager:Georgette Munoz
Chairperson:Norman Weisbrod

Call Report

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Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 2,848,990
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 6,708,187
 Unsecured Loans 5,087,756
 Other Loans 16,926,414
 TOTAL LOANS 28,722,357
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -219,669
 Land And Building 276,239
 Other Fixed Assets 50,462
 NCUSIF Deposit 745,648
 All Other Assets 0
  TOTAL ASSETS 79,656,852
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 387,734
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 12,457,742
 Regular shares 48,595,562
 All Other Shares & Deposits 10,877,373
  TOTAL SHARES & DEPOSITS 71,930,677
  TOTAL LIABILITIES 72,320,117
 Regular Reserve 0
 Other Reserves 0
 Undivided Earnings 7,336,735
  TOTAL EQUITY 7,336,735
  TOTAL LIABILITIES, SHARES, & EQUITY 79,656,852
INCOME & EXPENSE  
 Loan Income 1,740,418
 Investment Income 1,342,708
 Other Income 259,360
 Total Employee Compensation & Benefits 1,340,674
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,681,224
 Non-operating Income & (Expense) -1,387
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 158,159
 Cost of Funds 13,647
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 653,879
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