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
- NCUSIF 89/100
- CAMELS 21.6%
- HEALTH 0.80%
- NW 1.79%
- DELQ $86.3M
- ROA 5,500
- ASSETS #1,185/4,374
- MEM Forward Financial
- RANK 15563
Call Report peers
BAYCEL in the assets neighbourhood
BAYCEL's $86.3M assets sit next to Forward Financial ($86.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
BAYCEL - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #15563 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for BAYCEL
BAYCEL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.6% from $86.3M (2025Q4) to $90.4M (2026Q1).
- Net-worth ratio shifted -0.38 pp (21.93% → 21.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
BAYCEL's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($86.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is BAYCEL financially healthy?
BAYCEL has a financial health score of 89/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,185 of 4,374; by total assets it ranks #1,955 of 4,374 nationally (same basis as /rankings/largest); and #157 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 21.55% and delinquency rate of 0.80%.
How does BAYCEL compare to other credit unions?
89/100 is BAYCEL's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like BAYCEL are 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."
What rates does BAYCEL offer compared to banks?
Credit unions like BAYCEL are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact BAYCEL directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from 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.