Federal credit union · BATON ROUGE, Louisiana · NCUA charter #9931
Bayou
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $82.1M
- Total assets
- 7,687
- Members
- 15.3%
- Net-worth ratio
Bayou - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9931, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Bayou - 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)100
- Earnings (ROA)90
- Member growth40
- Liquidity (loan-to-share)100
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 15.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.33% | 30% |
| Delinquency Rate | 0.33% | 25% |
| Return on Assets | 0.40% | 15% |
| Member Growth | -1.68% | 15% |
| Loan-to-Share Ratio | 83.09% | 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 | $82.1M | 7,687 |
| 2024Q4 | $81.1M | 7,818 |
| 2023Q4 | $81.3M | 7,960 |
Credit Union Details
- Charter Number
- 9931
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Louisiana
- City
- BATON ROUGE
- Data Quarter
- 2025Q4
What This Data Says About Bayou
Headquartered in BATON ROUGE, Louisiana, Bayou is a federal credit union with 7,687 members, $82.1M in total assets, and $57.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 89/100 (Excellent), driven in part by a net worth ratio of 15.33% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #9931 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.33% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. The loan-to-share ratio of 83.09% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.40% on net income of $325K 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 -1.68%. 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 Louisiana
A look at other Louisiana 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 Bayou financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - Bayou's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.33% net worth ratio and 0.33% delinquency rate are the key drivers.
How does Bayou compare to other credit unions?
Five weighted metrics from NCUA filings produce Bayou's 89/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 Bayou?
Bayou 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 Bayou directly for the exact boundaries and application steps.
Is my money safe at Bayou?
Federal credit unions like Bayou 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. Bayou's net worth ratio of 15.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bayou offer compared to banks?
Credit unions like Bayou 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 Bayou 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.