Overview / Commentary
Bayou City Federal Credit Union is headquartered in HOUSTON and is the 241st largest credit union in the state of Texas. It is also the 3,047th largest credit union in the nation. It was established in 1980 and as of March of 2025, it had grown to 8 employees and 2,346 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.
See current membership details
Health
C+
Data as of Q1 2025
Learn why bank health mattersAdditional 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
| Overall | |
|---|---|
| NCUA # | 23582 |
| Year Chartered | 1980 |
| Employees | 8 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.01% |
| Return on Equity - YTD | 0.15% |
| Annual Interest Income | $267K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $24.9MM$26.5MM |
| Loans | Q1 2025vs Q1 2024 | $9.4MM$8.6MM |
| Deposits | Q1 2025vs Q1 2024 | $22.5MM$24.1MM |
| Equity Capital | Q1 2025vs Q1 2024 | $2.3MM$2.3MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $125K$105K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $85K$101K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |