Baycel Federal Credit Union

Overview / Commentary
2320 6TH ST
Bay City, TX 77414

Baycel Federal Credit Union is headquartered in Bay City and is the 164th largest credit union in the state of Texas. It is also the 2,114th largest credit union in the nation. It was established in 1963 and as of December of 2021, it had grown to 10 employees and 4,748 members at 2 locations. Baycel Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Baycel Federal Credit Union is open to those who work, attend school, worship or live in Matagorda County. Immediate family and household members are also eligible for membership.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Baycel Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #15563
Year Chartered1963
Primary Regulator
Profit Margin
Return on Assets - YTD1.19%
Return on Equity - YTD6.6%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$75.7MM$66.9MM
LoansQ4 2021vs Q4 2020$30.0MM$30.9MM
DepositsQ4 2021vs Q4 2020$61.9MM$53.9MM
Equity CapitalQ4 2021vs Q4 2020$13.5MM$12.7MM
Loan Loss AllowanceQ4 2021vs Q4 2020$107.00K$147.00K
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$172.00K$538.00K
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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Baycel Federal Credit Union Savings Account Rates

0.40%--Club Share Accounts
0.25%$25-Primary Share Account

Baycel Federal Credit Union Checking Account Rates

0.15%--Share Draft Account

Baycel Federal Credit Union CD Rates

0.80%$1k-2 Year CD
0.70%$1k-1 Year CD
0.60%$1k-6 Month CD

Baycel Federal Credit Union IRA Rates

0.70%$1k-1 Year IRA CD
0.40%$500-1 Year IRA Share Certificate

Baycel Federal Credit Union Locations
Branch Office400 7th StBay City, TX 77414
Branch Office2320 6TH STBay City, TX 77414-5240

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