Baycel Federal Credit Union


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

Baycel Federal Credit Union is headquartered in Bay City and is the 168th largest credit union in the state of Texas. It is also the 2,170th largest credit union in the nation. It was established in 1963 and as of June of 2020, it had grown to 11 employees and 4,594 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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Health
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 - YTD1.46%
Return on Equity - YTD7.56%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$64.1MM$61.4MM
LoansQ2 2020vs Q2 2019$30.3MM$30.3MM
DepositsQ2 2020vs Q2 2019$51.8MM$49.9MM
Equity CapitalQ2 2020vs Q2 2019$12.1MM$11.2MM
Loan Loss AllowanceQ2 2020vs Q2 2019$136.00K$153.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$389.00K$470.00K
Real Estate OwnedQ2 2020vs Q2 2019$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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