TellerScore

Bay Area Credit Union is a federally insured state-chartered credit union headquartered in Oregon, Ohio, in business for about 92 years. At the end of Q2 2026 it reported $107.9M in total assets and $93.8M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Bay Area Credit Union scores 68/100, which we describe as moderate. That is higher than only 45% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 111th. Its strongest component is funding & liquidity (100/100; 53% loans-to-deposits, 4% uninsured), and its lowest is earnings (48/100; 0.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.60%
Loan quality60/100
Loans 60+ days delinquent ÷ total loans: 1.21%
Earnings48/100
Return on assets (annualized): 0.69%
Funding & liquidity100/100
Loans ÷ shares: 53.4% · 3.7% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.85%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 9 points (77 → 68), mostly because the capital cushion component weakened by 19 points.

TellerScore
687582Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202479
Q4 202479
Q1 202579
Q2 202577
Q3 202578
Q4 202569
Q1 202669
Q2 202668
Net worth ratio
7.00%10.57%14.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.97%
Q3 202413.98%
Q4 202414.13%
Q1 202513.58%
Q2 202513.49%
Q3 202513.85%
Q4 202511.50%
Q1 202611.33%
Q2 202611.60%
Delinquent loans (60+ days)
0.39%0.80%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.39%
Q3 20240.81%
Q4 20240.77%
Q1 20250.48%
Q2 20250.73%
Q3 20250.82%
Q4 20251.07%
Q1 20260.92%
Q2 20261.21%
Return on assets
0.47%0.58%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.68%
Q3 20240.66%
Q4 20240.66%
Q1 20250.47%
Q2 20250.49%
Q3 20250.52%
Q4 20250.64%
Q1 20260.58%
Q2 20260.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$107.9M11.60%1.21%0.69%53.4%
Q1 202669$108.6M11.33%0.92%0.58%53.7%
Q4 202569$105.5M11.50%1.07%0.64%56.7%
Q3 202578$85.5M13.85%0.82%0.52%58.1%
Q2 202577$86.9M13.49%0.73%0.49%56.7%
Q1 202579$85.4M13.58%0.48%0.47%58.2%
Q4 202479$81.4M14.13%0.77%0.66%62.0%
Q3 202479$81.6M13.98%0.81%0.66%63.2%
Q2 202482$80.7M13.97%0.39%0.68%65.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.60%
52nd
Problem loans1.21%
21st
Net charge-offs0.22%
68th
Return on assets0.69%
46th
Loans to deposits53.4%
87th
Uninsured deposits3.7%
74th
Loan-loss reserves0.00%
50th
Texas ratio4.9%
41st

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Ohio Healthcare Federal Credit UnionCredit union Dublin, OH61 out of 100, Moderate$108.2M9.7%0.72%vs
Golden Circle Credit UnionCredit union Massillon, OH66 out of 100, Moderate$107.3M15.6%2.24%vs
Friends and Family Credit Union IncCredit union Massillon, OH59 out of 100, Moderate$111.0M8.1%0.32%vs
Community Star Credit UnionCredit union Elyria, OH67 out of 100, Moderate$102.7M9.7%0.55%vs
Commodore Perry Federal Credit UnionCredit union Oak Harbor, OH51 out of 100, Below average$102.3M10.2%1.82%vs
Riverview Federal Credit UnionCredit union Belpre, OH56 out of 100, Moderate$113.4M9.1%1.54%vs

Deposit insurance

Is my money safe at Bay Area Credit Union?

Yes. Bay Area Credit Union is a federally insured credit union (NCUA charter #63375). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.7% of shares and deposits ($3.5M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.60%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Bay Area Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bay Area Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63375
RSSD ID
149299
Primary regulator
State + NCUA
Established
1934
Headquarters
4202 Navarre Ave, Oregon, OH 43616
Employees
28

Quick answers

Bay Area Credit Union: common questions

Is Bay Area Credit Union NCUA insured?

Yes. Bay Area Credit Union is a federally insured credit union (NCUA charter #63375). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Bay Area Credit Union's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Bay Area Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
First Federal Savings and Loan AssociationBank Delta, OH93 out of 100, Very strong$246.0M16.5%0.00%vs
Tlc Community Credit UnionCredit union Adrian, MI90 out of 100, Very strong$950.2M14.5%0.14%vs
Parish Federal Credit UnionCredit union Toledo, OH87 out of 100, Very strong$24.0M11.8%0.06%vs