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Baycel
BAY CITY, TX · NCUA Charter #15563 · Federal charter · Chartered 1963
Total assets
$92.22M
Shares & deposits
$71.89M
Total loans
$35.81M
Members
5,479
Net worth
$20.09M
Branches
4
Rank: #1,892 of 4,299 U.S. credit unions by assets · #149 of 380 in Texas. Assets changed 8.5% and membership -0.1% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 21.79% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.19% |
| Loans to shares & deposits | 49.8% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $81.96M | $67.82M | $0 | $13.94M |
| Jun 2023 | $83.24M | $68.09M | $0 | $14.97M |
| Jun 2024 | $82.38M | $65.89M | $0 | $16.25M |
| Jun 2025 | $84.99M | $66.73M | $0 | $18.06M |
| Jun 2026 | $92.22M | $71.89M | $0 | $20.09M |
Branch footprint
| State | Branches |
|---|---|
| Texas | 4 |
Similar-sized credit unions
Traverse Catholic ($92.24M) · State Highway Patrol ($92.19M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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