Bayou Community Federal Credit Union

Overview / Commentary

225-642-8663

6190 Highway 74
Saint Gabriel, LA 70776

Bayou Community Federal Credit Union is headquartered in Saint Gabriel and is the 89^th largest credit union in the state of Louisiana. It is also the 3,732^nd largest credit union in the nation. It was established in 1957 and as of September of 2019, it had grown to 6 employees and 1,385 members at 3 locations. Bayou Community Federal Credit Union's CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Bayou Community Federal Credit Union is open to commissioned officers and Civil Service personnel of the National Hansen Disease Center, members and employees of the St. Gabriel Catholic Church in St. Gabriel, Mt. Bethel Baptist Church, St. Theresa Catholic Church in Gonzales, or Mt. Carmel Baptist Church, employees of Syngenta & Brown Eagle (St. Gabriel facility), East Iberville Volunteer Fire Department, 756 Area Support Medical Company (Carville Location), City of St. Gabriel.
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Health

B+

Data as of Q3 2019

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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 Community Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	11782
Year Chartered	1957
Employees	6
Primary Regulator

Profit Margin
Return on Assets - YTD	0.3%
Return on Equity - YTD	3%
Annual Interest Income	$475.00K

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$13.4MM$12.7MM
Loans	Q3 2019vs Q3 2018	$9.7MM$8.6MM
Deposits	Q3 2019vs Q3 2018	$12.0MM$11.0MM
Equity Capital	Q3 2019vs Q3 2018	$1.3MM$1.4MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$38.00K$61.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$21.00K$5.00K
Real Estate Owned	Q3 2019vs Q3 2018	$0$0

Rates

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Savings
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bayou Community Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$100k^*	-	Regular Share Savings
OTHER TIERS: 0.25% → $200 - $1k \| 0.30% → $1k - $10k \| 0.45% → $10k - $50k \| 0.60% → $50k - $100k

Bayou Community Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%	$5k	-	Premier Checking
2.75%^*	-	$10k	Big Bayou Business Checking
OTHER TIERS: 0.30% → $10k+
1.75%^*	-	$2.5k	Small Bayou Business Checking
OTHER TIERS: 0.20% → $2.5k+

Bayou Community Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.17%^*	$100k^*	-	36 Month CD
OTHER TIERS: 1.26% → $1k - $10k \| 1.66% → $10k - $50k \| 1.87% → $50k - $75k \| 2.02% → $75k - $100k
2.02%^*	$100k^*	-	24 Month CD
OTHER TIERS: 1.16% → $1k - $10k \| 1.51% → $10k - $50k \| 1.76% → $50k - $75k \| 1.87% → $75k - $100k
1.87%^*	$100k^*	-	12 Month CD
OTHER TIERS: 0.80% → $1k - $10k \| 1.26% → $10k - $50k \| 1.51% → $50k - $75k \| 1.76% → $75k - $100k
1.77%^*	$100k^*	-	6 Month CD
OTHER TIERS: 0.50% → $1k - $10k \| 0.80% → $10k - $50k \| 1.26% → $50k - $75k \| 1.51% → $75k - $100k
1.51%^*	$100k^*	-	3 Month CD
OTHER TIERS: 0.25% → $1k - $10k \| 0.50% → $10k - $50k \| 0.81% → $50k - $75k \| 1.26% → $75k - $100k
1.00%	$50	$3k	24 Month Step-Up CD
0.60%	$50	$3k	18 Month Step-Up CD
0.50%	$50	$3k	12 Month Step-Up CD

Locations

Bayou Community Federal Credit Union Locations
Branch Office	5445 POINT CLAIR RD	CARVILLE, LA 70721
Branch Office	3905 Highway 75	Saint Gabriel, LA 70776
Corporate Office	6190 Highway 74	Saint Gabriel, LA 70776

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