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 89th largest credit union in the state of Louisiana. It is also the 3,732nd 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+
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 Chartered1957
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.3%
Return on Equity - YTD3%
Annual Interest Income$475.00K
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$13.4MM$12.7MM
LoansQ3 2019vs Q3 2018$9.7MM$8.6MM
DepositsQ3 2019vs Q3 2018$12.0MM$11.0MM
Equity CapitalQ3 2019vs Q3 2018$1.3MM$1.4MM
Loan Loss AllowanceQ3 2019vs Q3 2018$38.00K$61.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$21.00K$5.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$5k-Premier Checking
2.75%*-$10kBig Bayou Business Checking
OTHER TIERS: 0.30% $10k+
1.75%*-$2.5kSmall Bayou Business Checking
OTHER TIERS: 0.20% $2.5k+

Bayou Community Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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$3k24 Month Step-Up CD
0.60%$50$3k18 Month Step-Up CD
0.50%$50$3k12 Month Step-Up CD
Locations


Bayou Community Federal Credit Union Locations
Branch Office5445 POINT CLAIR RDCARVILLE, LA 70721
Branch Office3905 Highway 75Saint Gabriel, LA 70776
Corporate Office6190 Highway 74Saint Gabriel, LA 70776

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