Overview / Commentary

Bayou Community Federal Credit Union is headquartered in CARVILLE and is the 93rd largest credit union in the state of Louisiana. It is also the 3,958th largest credit union in the nation. It was established in 1957 and as of March of 2018, it had grown to 6 employees and 1,095 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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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

NCUA #11782
Year Chartered1957
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD7.22%
Annual Interest Income$130.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$11.9MM$10.5MM
LoansQ1 2018vs Q1 2017$7.9MM$7.1MM
DepositsQ1 2018vs Q1 2017$10.4MM$9.1MM
Equity CapitalQ1 2018vs Q1 2017$1.4MM$1.4MM
Loan Loss AllowanceQ1 2018vs Q1 2017$73.00K$92.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$55.00K$205.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$0
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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

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

0.60%$1k-12 Month Share Certificate
0.30%$1k-6 Month Share Certificate

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

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