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Baycel Federal Credit Union


Overview / Commentary
979-244-3995
2320 6TH ST
Bay City, TX 77414-5240

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 2,106th largest credit union in the nation. It was established in 1963 and as of March of 2019, it had grown to 11 employees and 4,657 members at 2 locations. Baycel Federal Credit Union has a B+ 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.
See current membership details

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Health
B+
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

Overall
NCUA #15563
Year Chartered1963
Employees11
Primary Regulator
Profit Margin
Return on Assets - YTD1.44%
Return on Equity - YTD8.09%
Annual Interest Income$505.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$62.6MM$60.1MM
LoansQ1 2019vs Q1 2018$29.5MM$28.9MM
DepositsQ1 2019vs Q1 2018$51.5MM$49.9MM
Equity CapitalQ1 2019vs Q1 2018$10.9MM$10.0MM
Loan Loss AllowanceQ1 2019vs Q1 2018$135.00K$180.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$397.00K$348.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
Rates
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Baycel Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%--Club Share Accounts
0.40%--IRA Savings
0.25%$25-Primary Share Account

Baycel Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Share Draft Account

Baycel Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1k-2 Year CD
0.90%$1k-1 Year CD
0.65%$1k-6 Month CD

Baycel Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$1k-1 Year IRA CD
Locations


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

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