Bayou City Federal Credit Union

Overview / Commentary
HOUSTON, TX 77030-1500

Bayou City Federal Credit Union is headquartered in HOUSTON and is the 246th largest credit union in the state of Texas. It is also the 3,176th largest credit union in the nation. It was established in 1980 and as of December of 2019, it had grown to 7 employees and 2,942 members at 2 locations. Bayou City Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to employees, volunteers or retirees of Memorial Hermann Healthcare System or one of it's subsidiaries. Also open to those who live, work, worship or attend school in a selected geographical area in Houston, Texas.
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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. Bayou City Federal Credit Union has a low asset base.

Health Grade Components

NCUA #23582
Year Chartered1980
Primary Regulator
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD3.37%
Annual Interest Income$962.00K
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$23.3MM$25.6MM
LoansQ4 2019vs Q4 2018$9.4MM$9.2MM
DepositsQ4 2019vs Q4 2018$21.1MM$23.1MM
Equity CapitalQ4 2019vs Q4 2018$2.0MM$1.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$105.00K$128.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$40.00K$79.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bayou City Federal Credit Union Savings Account Rates

0.20%*$50k*-Super Share Account
OTHER TIERS: 0.05% $500 - $25k | 0.10% $25k - $50k
0.20%*$50k*-Traditional IRA Savings
OTHER TIERS: 0.05% $25 - $25k | 0.15% $25k - $50k
0.10%*$25k*-Holiday Shares
OTHER TIERS: 0.05% $25 - $25k
0.10%*$25k*-Minor's Shares
OTHER TIERS: 0.05% $25 - $25k
0.10%*$25k*-Share Account
OTHER TIERS: 0.05% $25 - $25k

Bayou City Federal Credit Union Checking Account Rates

0.20%$1k-5 Star Share Draft
0.05%--Share Draft

Bayou City Federal Credit Union CD Rates

1.36%$100k-60 Month Platinum CD
1.26%$50k$100k60 Month Jumbo CD
1.26%$100k-48 Month Platinum CD
1.16%$25k$50k60 Month Super CD
1.16%$50k$100k48 Month Jumbo CD
1.16%$100k-36 Month Platinum CD
1.09%$25k$50k6 Month Super CD
1.06%$1k$25k60 Month CD
1.06%$25k$50k48 Month Super CD
1.06%$50k$100k36 Month Jumbo CD
0.99%$50k$100k6 Month Jumbo CD
0.97%$50k$100k12 Month Jumbo CD
0.96%$1k$25k48 Month CD
0.96%$25k$50k36 Month Super CD
0.96%$50k$100k18 Month Jumbo CD
0.96%$50k$100k24 Month Jumbo CD
0.89%$1k$25k6 Month CD
0.87%$25k$50k12 Month Super CD
0.86%$1k$25k36 Month CD
0.86%$25k$50k18 Month Super CD
0.86%$25k$50k24 Month Super CD
0.77%*$1k*-1 Year Payroll CD
OTHER TIERS: 0.52% $100 - $1k
0.77%$1k$25k12 Month CD
0.76%$1k$25k18 Month CD
0.76%$1k$25k24 Month CD

Bayou City Federal Credit Union Locations
Branch Office6411 FANNIN ST # G-674NHOUSTON, TX 77030-1501
Branch Office6414 FANNIN ST STE G50HOUSTON, TX 77030-1500

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