BAYCEL Credit Union Profile

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BAYCEL

Charter #15563 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (979) 244-3995

Fax: (979) 244-8207

Founding Date: N/A

Website: http://www.baycel.org

Personnel & Operations

President: Moss, Kristi

Manager: Abshier, Paula

FT Employees: 12

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 4

Hours: LOBBY: MON. - THURS. 8:00 A.M. - 4:00 P.M.

Credit Union Profile Summary

BAYCEL is a FCU Credit Union. With a total of 5,484 members [1], this institution manages approximately $84,992,786 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 21.24% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -2.71% [1].

Financial Snapshot

Total Assets [1]
$84,992,786

Total economic resources.

Total Loans [1]
$35,995,543

Total value of outstanding loans.

Total Deposits [1]
$66,733,979

Total funds deposited by members.

Members [1]
5,484

Number of active members.

Performance Ratios

Net Worth Ratio [1]
21.24%

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]
2.32%

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

Loan-to-Share Ratio [1]
53.94%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 3.17%

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

Loan Growth (4Q) [1]
↓ -2.71%

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

Member Growth (4Q) [1]
↑ 2.68%

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

Headquarters Location & Map

Headquarters Address

2320 6TH ST

BAY CITY, TX, 77414-5240
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by BAYCEL (Charter #15563).

Main Office

Main Office Main Office

Type: Corporate Office

2320 6TH ST

Bay City, TX 77414-5240

Phone: (979) 244-3995

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Bay City

BCHS Branch

Type: Branch Office

400 7th St

Bay City, TX 77414

Phone: (979) 245-2356

Services: Member Services

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