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 159th largest credit union in the state of Texas. It is also the 2,005th largest credit union in the nation. It was established in 1963 and as of June of 2023, it had grown to 11 employees and 5,115 members at 3 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.
See current membership details


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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 - YTD1.36%
Return on Equity - YTD7.57%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$83.2MM$82.0MM
LoansQ2 2023vs Q2 2022$34.1MM$29.4MM
DepositsQ2 2023vs Q2 2022$68.1MM$67.8MM
Equity CapitalQ2 2023vs Q2 2022$14.9MM$13.9MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$98.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$82.00K$224.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0

Rates for Baycel Federal Credit Union are currently being reviewed.


Baycel Federal Credit Union Locations
Branch Office400 7th StBay City, TX 77414
Branch Office2320 6TH STBay City, TX 77414-5240
Branch Office8980 STATE HIGHWAY 35 NVan Vleck, TX 77482

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