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 167th largest credit union in the state of Texas. It is also the 2,126th largest credit union in the nation. It was established in 1963 and as of September of 2018, it had grown to 12 employees and 4,578 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
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD1.75%
Return on Equity - YTD10.03%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$60.6MM$57.7MM
LoansQ3 2018vs Q3 2017$29.0MM$28.4MM
DepositsQ3 2018vs Q3 2017$49.9MM$48.0MM
Equity CapitalQ3 2018vs Q3 2017$10.5MM$9.6MM
Loan Loss AllowanceQ3 2018vs Q3 2017$139.00K$166.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$464.00K$393.00K
Real Estate OwnedQ3 2018vs Q3 2017$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%$500-1 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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