# Bay (Capitola, CA): no major change, assets +0.7% to $1,906,182,288

**Score:** 35/100

| Field | Value |
|---|---|
| Credit union | Bay |
| Charter number | 12067 |
| Location | 3333 Clares St, Capitola, CA, 95010-2546 |
| Charter | Federal credit union |
| Change | No major change |
| Quarter | 2026-03 to 2026-06 |
| Total assets | $1,906,182,288 (0.7% QoQ) |
| Loans | $1,198,908,048 (2.1% QoQ) |
| Shares and deposits | $1,700,020,916 |
| Members | 96735 (-483) |
| Delinquency rate | 0.31% (was 0.17%) |
| Loan-to-share | 70.5% |

## Why this score
- Over $1B in assets.

Source: NCUA 5300 Call Report quarterly data files (National Credit Union Administration) (https://mapping.ncua.gov/ResearchCreditUnion?charterNumber=12067). Last refreshed: 2026-10-28T20:50:16.711Z.
Computed from NCUA 5300 Call Report public data files. A credit union that stops filing has usually merged or liquidated; confirm with NCUA. Delinquency is loans 60+ days past due over total loans; "delinquency rising" means up 0.5 points or more in the quarter on a loan book of $5M or more. Institution level only.