Capitola, CA · Federal Credit Union · Chartered in CA
Who can join
Employer / occupational group
Members
97,218
Net Worth Ratio
9.71%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$1.89B
Total Shares
$1.69B
Total Loans
$1.17B
Net Income
$4.2M
Net Worth Ratio
9.71%
≥7% = Well Capitalized
Members
97,218
Return on Assets
0.22%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.07%
$765K
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 750 | 453 | 161 | 60.4% | 21.5% |
| 2022 | 1,227 | 620 | 364 | 50.5% | 29.7% |
| 2021 | 1,252 | 722 | 263 | 57.7% | 21.0% |
No CFPB complaint data available for this credit union.
Corporate Office
3333 Clares St, Capitola, CA, 95010-2546
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
Aptos Branch
48 Rancho Del Mar, Aptos, CA, 95003
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
Freedom Branch
2028 Freedom Blvd, Freedom, CA, 95019-2835
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
River Street
420 River St Ste C, Santa Cruz, CA, 95060-2671
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
Scotts Valley
255 Mount Hermon Rd Ste C, Scotts Valley, CA, 95066-4080
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
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<a href="https://bankscorer.com/credit-union/bay" target="_blank" rel="noopener">View BAY on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 69.4%· healthy range 60–80%
Watsonville Branch
1481 Main St, Watsonville, CA, 95076-3759
9:00 am to 5:00 pm M, T, TH 10:00 am to 5:00 pm Wednesday 9:00 am to 6:00 pm Friday 9:00 am to 3:00 pm Saturday
Salinas Main
1524 N Main St, Salinas, CA, 93906
9:00 am to 5:00 pm M, T, TH10:00 am to 5:00 pm Wednesday9:00 am to 6:00 pm Friday9:00 am to 3:00 pm Saturday
Marina Branch
140 10th St Ste 20, Marina, CA, 93933
M, T, Th, F 9 am - 5 pm; W 10 am - 5 pm; Sat 9 am - 3 pm