BAYOU COMMUNITY Credit Union Profile

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BAYOU COMMUNITY

Charter #11782 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (225) 642-8663

Fax: (225) 642-5909

Founding Date: N/A

Website: http://www.bayoucfcu.com

Personnel & Operations

President: PANEPINTO, FRANK

Manager: MALLET, MELISSA

FT Employees: 6

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 2

Hours: Monday - Friday 8:30 am - 5:00 pm

Credit Union Profile Summary

BAYOU COMMUNITY is a FCU Credit Union. With a total of 1,713 members [1], this institution manages approximately $18,297,773 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.92% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 5.15% [1].

Financial Snapshot

Total Assets [1]
$18,297,773

Total economic resources.

Total Loans [1]
$12,265,333

Total value of outstanding loans.

Total Deposits [1]
$16,475,580

Total funds deposited by members.

Members [1]
1,713

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.92%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.23%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
74.45%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 6.58%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 5.15%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -1.10%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

6190 Highway 74

Saint Gabriel, LA, 70776
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by BAYOU COMMUNITY (Charter #11782).

Main Office

St. Gabriel Branch Main Office

Type: Corporate Office

6190 Highway 74

Saint Gabriel, LA 70776

Phone: (225) 642-8663

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Carville

Bayou Community F.C.U.

Type: Branch Office

5445 POINT CLAIR RD

Carville, LA 70721

Phone: (225) 642-8663

Services: Member Services, ATM

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Saint Gabriel

Bayou Community FCU - Syngenta Branch

Type: Branch Office

3905 Highway 75

Saint Gabriel, LA 70776

Phone: (225) 642-1548

Services: None specified

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