Federal credit union · BAY CITY, Texas · NCUA charter #15563
BAYCEL
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $86.3M
- Total assets
- 5,500
- Members
- 21.6%
- Net-worth ratio
BAYCEL scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $86.3M; members 5,500; net-worth ratio 21.55%; health rank #1,185 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,185 of 4,374 health · 2025Q4BAYCEL · health 89/100 · $86.3M · 2025Q4
Call Report peers
BAYCEL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BAYCEL vs every NCUA-scored credit union
BAYCEL sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for BAYCEL
- Net Worth Ratio leads the peer set - 21.55% here, 13.62% peer average (+7.93 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.00 pp (54.60% vs 62.60%).
BAYCEL in Texas
- Health composite ranks #109 of 386 among scored Texas credit unions.
- By total assets, BAYCEL is #157 of 386 in Texas.
- Texas membership ordinal: #167 of 386.
- One place up in Texas, Lehrer Interests (#108) ties at 89/100; one place down, Pasadena Municipal (#110) ties at 89/100.
Quarter path for BAYCEL
BAYCEL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $86.3M (2025Q4) to $90.4M (2026Q1).
- Net-worth ratio shifted -0.38 pp (21.93% → 21.55%).
This credit union's 21.55% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
BAYCEL gives up 11 points in total. Member Growth costs the most, 4.4 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 11.4 pts
BAYCEL health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.55% | +7.93 pp |
| Delinquency Rate | 0.80% | -0.17 pp |
| Return on Assets | 1.79% | +1.14 pp |
| Member Growth | 1.31% | - |
| Loan-to-Share Ratio | 54.60% | -8.00 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - BAYCEL
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $90.4M | - |
| 2025Q4 | $86.3M | 5,500 |
| 2024Q4 | $81.0M | 5,429 |
| 2023Q4 | $83.2M | 5,200 |
Credit Union Details
- Charter Number
- 15563
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- BAY CITY
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, BAYCEL runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Bay City, TX |
| BCHS Branch | Bay City, TX |
| Matagorda County Credit Union | Bay City, TX |
| VVHS Branch | Van Vleck, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for BAYCEL
Using this data
- BAYCEL ranks #1,185 of 4,374 nationally on financial health and #109 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SOUTHLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SOUTHLAND
Frequently Asked Questions
Is BAYCEL financially healthy?
On its 2025Q4 NCUA 5300 filing, BAYCEL scores 89/100 (Excellent), with a 21.55% net worth ratio and 0.80% of loans delinquent. It ranks #1,185 of 4,374 nationally on health and #109 of 386 in Texas.
How does BAYCEL compare to other credit unions?
BAYCEL scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (21.55% vs 13.62%). Its widest shortfall is loan-to-share ratio (54.60% vs 62.60%).
How can I join BAYCEL?
BAYCEL operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact BAYCEL directly for the exact boundaries and application steps.
Is my money safe at BAYCEL?
BAYCEL is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. BAYCEL's net worth ratio of 21.55% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.