2026-04-10T13:12:02-07:00 2025-12-31 650152722 FINANCIAL STANDARDS GROUP INC 6447 W HIGHWAY 146 CRESTWOOD KY 40014 990 2025-01-01 946172866 CREDIT UNIONS IN THE STATE OF CALIFORNIA CRED 5106906138 22777 MAIN STREET HAYWARD CA 94541 GLORIA GARCIA Controller 2026-04-10 true Thomas Cvinar P00743293 8005225820 2025 2025-03-06 01:10:19Z GEORGETTE MUNOZ 22777 MAIN STREET HAYWARD CA 945415113 4762312 false X https://www.baycities.org/ X 1953 CA SEE SCHEDULE O 5 5 21 10 129321 0 2731423 2862357 1848546 1899955 0 4579969 4762312 0 0 1397323 1506029 0 0 2186582 2115909 3583905 3621938 996064 1140374 75508821 78009566 67176022 68536393 8332799 9473173 SEE SCHEDULE O false false THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING, AND CERTIFICATES. THE TOTAL NUMBER OF MEMBERS AT 12/31/2025 WAS 6,770. THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2025 WAS 3,150. false false false false false false false false false true true false false true false false false false false false false false false false false false false false true false false false false false false false false false false false false false false true 546 0 true 21 true true true false false false false false false false X 5 5 false false false false true true true true true false false false true false true false false true true false X GLORIA GARCIA 5106906138 22777 MAIN STREET HAYWARD CA 945415113 GEORGETTE MUNOZ CEO 40.00 0.00 X 157654 0 14408 NORMAN WEISBROD Chairman 1.00 0.00 X 0 0 0 MARK MOSIER Treasurer 1.00 0.00 X 0 0 0 EDWARD CARTER Director 1.00 0.00 X 0 0 0 GREGORY MAILHO Director 1.00 0.00 X 0 0 0 TRACY KELLY Director 1.00 0.00 X 0 0 0 157654 14408 1 false true false CLOUD ONE SOLUTIONS 120 MISTY COURT Santa Cruz CA 95060 IT SERVICES 236774 JACK HENRY & ASSOCIATES PO BOX 609 MONETT MO 65708 CORE PROCESSOR 209814 LENDING SOLUTIONS INC 2200 POINT BLVD ELGIN IL 60123 CALL CENTER 150599 3 0 FEES AND OTHER INCOME 522100 577466 576364 1102 INSURANCE 524298 34926 34926 LOAN INTEREST 522100 2156672 2156672 SHARED BRANCHING 525990 89207 89207 WARRANTY INCOME 4086 4086 2862357 1899955 1899955 0 0 0 0 0 0 0 0 4762312 4632991 129321 0 0 0 0 172062 0 1081889 21574 129917 100587 0 28080 0 0 0 0 0 33849 828883 571115 0 105159 4714 0 0 133054 3385 0 31959 CREDIT LOSS 186482 PRO SERVICES 80604 LOAN SERVICING 75833 MISC 20187 12605 3621938 0 0 0 356773 304506 21387666 19381116 0 216266 175507 0 0 28728388 30693153 0 324606 271048 3606236 3234873 397287 371363 0 23042000 25957398 0 0 1055835 855475 75508821 78009566 144287 275983 67031735 68260410 67176022 68536393 X 8332799 9473173 8332799 9473173 75508821 78009566 1140374 X false true X true false 183371 183371 2457425 2368046 89379 207464 187473 19991 757976 679354 78622 371363 25957398 MEMBER SHARES 68260409 Rounding 1 68260410 X X X false false false GEORGETTE MUNOZ CEO 157654 4789 9619 172062 Form 990, Part VI, Section A, Line 6 BAY CITIES CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION, SECTION 501C14, THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. THE CREDIT UNION DOES NOT HAVE STOCKHOLDERS. Form 990, Part VI, Section A, Line 7a THE GOVERNING BOARD OF BAY CITIES CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS Form 990, Part VI, Section A, Line 7b AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION. Form 990, Part VI, Section B, Line 11b No review was or will be conducted. Form 990, Part VI, Section B, Line 12c THE CREDIT UNION REQUIRES ALL OFFICERS, DIRECTORS AND EMPLOYEES TO REVIEW THE ETHICS POLICY ON AN ANNUAL BASIS AND ANSWER SPECIFIC QUESTIONS REGARDING ANY POSSIBLE CONFLICT OF INTEREST. ANY CONFLICT OF INTEREST MUST BE FULLY DISCLOSED AND EXPLAINED. Form 990, Part VI, Section B, Line 15a THE BOARD OF DIRECTORS HAS A COMPENSATION COMMITTEE THAT MEETS TO REVIEW AND APPROVE THE CEO SALARY AFTER REVIEWING COMPARABILITY DATA. THE CEO USES INDUSTRY SALARY REPORTS, PERFORMANCE AND OTHER DATA TO RECOMMEND THE SALARY OF OTHER EMPLOYEES. THE BOARD OF DIRECTORS APPROVES THE COMPENSATION/BENEFITS PACKAGE DURING THE BUDGETING PROCESS ON AN ANNUAL BASIS. Form 990, Part VI, Section B, Line 15b The CEO uses industry salary reports, performance and other data to recommmend the salary of other employees. The board of directors approves the compensation/benefits package during the budget process on an annual basis. Form 990, Part VI, Section C, Line 19 BYLAWS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE TO THE PUBLIC UPON REQUEST. MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF THE CREDIT UNION. ALL FINANCIAL INFORMATION IS PUBLICLY AVAILABLE AT WWW.NCUA.GOV. FORM 990, PART I, LINE 1 - ORGANIZATION MISSION BAY CITIES CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, BAY CITIES CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. FORM 990, PART III, LINE 1 - ORGANIZATION MISSION BAY CITIES CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, BAY CITIES CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.