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  2. Bayou Community Federal Credit Union

Bayou Community Federal Credit Union


Overview / Commentary
bayoucfcu.com
225-642-8663
5445 POINT CLAIR RD
CARVILLE, LA 70721

Bayou Community Federal Credit Union is headquartered in CARVILLE and is the 94th largest credit union in the state of Louisiana. It is also the 3,983rd largest credit union in the nation. It was established in 1957 and as of December of 2017, it had grown to 4 employees and 1,102 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.
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Health
B+

Data as of Q4 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 Chartered1957
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD-0.43%
Return on Equity - YTD-3.53%
Annual Interest Income$487.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$11.6MM$10.0MM
LoansQ4 2017vs Q4 2016$8.0MM$6.9MM
DepositsQ4 2017vs Q4 2016$10.3MM$8.7MM
Equity CapitalQ4 2017vs Q4 2016$1.4MM$1.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$78.00K$77.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$90.00K$257.00K
Real Estate OwnedQ4 2017vs Q4 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$1k-12 Month Share Certificate
0.30%$1k-6 Month Share Certificate
Locations


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

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