Bayou Community Federal Credit Union

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SPONSORED LISTINGS

11-Month No-Penalty CD

Security & Flexibility
with Access to Funds.
Member FDIC.

1.45% APY

Online Savings

GS Bank offers
online savings accounts that
routinely beat the competition

1.20% APY

Overview / Commentary

www.carvilleefcu.com

225-642-8663

5445 POINT CLAIR RD
CARVILLE, LA 70721

Bayou Community Federal Credit Union is headquartered in CARVILLE and is the 103^rd largest credit union in the state of Louisiana. It is also the 4,154^th largest credit union in the nation. It was established in 1957 and as of June of 2017, it had grown to 4 employees and 1,057 members at 2 locations. Bayou Community Federal Credit Union's savings rates are 44% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership 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.
See current membership details

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Health

B

Data as of Q2 2017

Learn why bank health matters

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	4
Primary Regulator

Profit Margin
Return on Assets - YTD	-1.15%
Return on Equity - YTD	-8.9%
Annual Interest Income	$233.00K

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$10.5MM$10.1MM
Loans	Q2 2017vs Q2 2016	$7.4MM$6.6MM
Deposits	Q2 2017vs Q2 2016	$9.1MM$8.7MM
Equity Capital	Q2 2017vs Q2 2016	$1.3MM$1.4MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$56.00K$79.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$218.00K$247.00K
Real Estate Owned	Q2 2017vs Q2 2016	$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

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

Bayou Community Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%	$1k	-	12 Month Share Certificate
0.30%	$1k	-	6 Month Share Certificate

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