Bayou City scores higher on overall financial health (health score: 64/100). Higher health scores reflect stronger capital ratios, lower delinquency, and better earnings.
Financial Metrics Comparison
| Metric | Bayou City | Texas People |
|---|---|---|
| Health Score 0–100, higher is better | 64 | 60 |
| Total Assets | $24.1M | $24.2M |
| Members | 2,257 | 1,940 |
| Net Worth Ratio Higher = better capitalized (≥7% = "well capitalized") | 10.10% | 18.04% |
| Delinquency Rate Lower = fewer past-due loans | 1.46% | 1.57% |
| Return on Assets (ROA) Higher = more profitable | 0.059% | -0.502% |
| Loan-to-Share Ratio Higher = more loans deployed vs deposits | 40.82% | 91.21% |
| Member Growth Year-over-year membership change | -4.6% | -13.6% |
Teal/bold = better performer on that metric. Financial ratios from most recently reported NCUA quarter.
Membership & Structure
| Detail | Bayou City | Texas People |
|---|---|---|
| Location | HOUSTON, TX | Fort Worth, TX |
| Charter Type | Federal | Federal |
| Field of Membership | Community | Community |
| Peer Group | $10M–$50M | $10M–$50M |
| Charter Number | 23582 | 5337 |
What This Comparison Says About Bayou City vs Texas People
Bayou City (HOUSTON, TX) and Texas People (Fort Worth, TX) are both federally-insured credit unions reporting quarterly to the NCUA, but they differ meaningfully in scale and profile. Bayou City holds $24.1M in assets across 2,257 members, while Texas People holds $24.2M across 1,940 members. On the composite health score, Bayou City comes out ahead at 64/100 versus 60/100 for its counterpart, a gap driven by the weighted combination of capital, loan quality, earnings, growth, and liquidity metrics shown above. Charter numbers 23582 and 5337 indicate entirely separate NCUA supervisory records; they operate under peer groups $10M–$50M and $10M–$50M respectively.
Capital adequacy is the first check: Bayou City's net worth ratio of 10.10% clears the NCUA's 7.0% "well capitalized" bar, while Texas People posts 18.04%. Loan quality, measured as loans 60+ days past due over total loans, comes in at 1.46% for Bayou City and 1.57% for Texas People; lower is tighter. Return on assets (NCUA 5300 Call Report) shows 0.059% versus -0.502%. Loan-to-share ratios of 40.82% and 91.21% indicate how each institution deploys member deposits, the 60–80% band is generally considered the balanced-liquidity window by industry analysts.
Both credit unions are covered by NCUSIF federal insurance up to $250,000 per depositor per ownership category, the same limit as FDIC coverage at banks, so the comparison here is about financial efficiency and member experience, not deposit safety. Before joining either institution, verify the field of membership: Bayou City is currently defined as "Community" and Texas People as "Community", and eligibility rules (employer, geography, association) determine who can actually open accounts. Current deposit rates, loan APRs, fees, and product availability change continuously and are not reflected in quarterly Call Report data, contact each credit union directly before opening accounts or borrowing. This comparison is informational only and is not financial advice, an endorsement, or a solicitation; credit union performance can shift materially quarter to quarter and should be re-evaluated with current reports before making any decision.
What to Consider When Choosing
Net Worth Ratio: The NCUA requires credit unions to maintain a net worth ratio of at least 7% to be considered "well capitalized." Bayou City shows 10.10% vs Texas People at 18.04%. Higher ratios indicate stronger financial buffers.
Delinquency Rate: Measures the percentage of loans that are 60+ days past due. Lower delinquency rates indicate tighter underwriting and lower credit risk. Bayou City: 1.46% - Texas People: 1.57%.
Return on Assets: ROA measures how efficiently a credit union generates income from its assets. Industry benchmark is typically 0.50–0.70%. Both values here may be close to zero since credit unions are not-for-profit and return value to members through lower rates and higher dividends.
Membership eligibility: Check each credit union's field of membership before applying. Many restrict membership by employer, geography, or community affiliation.
What to do with this comparison
Bayou City leads on the composite health score, but that alone should not decide where you bank.
- Confirm you actually qualify: the field of membership for Bayou City is "Community" and for Texas People is "Community".
- See how Bayou City ranks nationally, not just against this one peer. Healthiest credit unions
- Compare either credit union against a different peer. Start a new comparison
Rates, fees, and product availability change continuously and are not reflected in quarterly Call Report data -- verify current terms directly with each credit union.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. This comparison draws directly on NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.