Federal credit union · BAY CITY, Texas · NCUA charter #15563
Baycel
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $86.3M
- Total assets
- 5,500
- Members
- 21.9%
- Net-worth ratio
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.
Baycel - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)88
- Earnings (ROA)100
- Member growth70
- Liquidity (loan-to-share)77
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 21.93% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.93% | 30% |
| Delinquency Rate | 0.80% | 25% |
| Return on Assets | 1.79% | 15% |
| Member Growth | 1.31% | 15% |
| Loan-to-Share Ratio | 54.60% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Baycel
Baycel is a federal credit union headquartered in BAY CITY, Texas, serving 5,500 members with $86.3M in total assets and $36.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 89/100 (Excellent), anchored by a net worth ratio of 21.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #15563 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Two more numbers round out the picture: a 0.80% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers - and a 54.60% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.79% on net income of $1.5M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.31%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 21.93% 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 21.93% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.