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

Baycel Federal Credit Union is headquartered in Bay City and is the 169th largest credit union in the state of Texas. It is also the 2,148th largest credit union in the nation. It was established in 1963 and as of December of 2017, it had grown to 11 employees and 4,428 members at 2 locations. Baycel Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Memebership is open to those who live, work, worship attend school in Matagorda County.
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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 - YTD1.16%
Return on Equity - YTD6.97%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$58.9MM$56.6MM
LoansQ4 2017vs Q4 2016$28.9MM$27.4MM
DepositsQ4 2017vs Q4 2016$48.9MM$47.4MM
Equity CapitalQ4 2017vs Q4 2016$9.7MM$9.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$162.00K$169.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$515.00K$494.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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Baycel Federal Credit Union Savings Account Rates

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

Baycel Federal Credit Union Checking Account Rates

0.15%--Share Draft Account

Baycel Federal Credit Union CD Rates

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

Baycel Federal Credit Union IRA Rates

0.90%$500-1 Year IRA CD

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

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