Federal credit union · BATON ROUGE, Louisiana · NCUA charter #9931
BAYOU
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $82.1M
- Total assets
- 7,687
- Members
- 15.5%
- Net-worth ratio
BAYOU scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $82.1M; members 7,687; net-worth ratio 15.47%; health rank #1,211 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,211 of 4,374 health · 2025Q4BAYOU · health 89/100 · $82.1M · 2025Q4
Call Report peers
BAYOU in the assets neighbourhood
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BAYOU vs every NCUA-scored credit union
BAYOU 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
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
BAYOU: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 83.09% here, 62.60% peer average (+20.49 pp).
- Widest shortfall vs peers is Return on Assets: -0.26 pp (0.40% vs 0.66%).
Where BAYOU sits in Louisiana
- Health composite ranks #28 of 138 among scored Louisiana credit unions.
- By total assets, BAYOU is #33 of 138 in Louisiana.
- Membership ranks #32 of 138 among Louisiana CUs with a reported count (7,687 members).
- One place up in Louisiana, CAMPUS (#27) scores 90/100, 1 point higher; one place down, Beauregard School Employees (#29) ties at 89/100.
BAYOU: 2025Q4 → 2026Q1
BAYOU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $82.1M (2025Q4) to $83.7M (2026Q1).
- Net-worth ratio shifted -0.18 pp (15.65% → 15.47%).
At 15.47%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
BAYOU gives up 11 points in total. Member Growth costs the most, 9 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.4 pts
- Member Growth 6.0 pts
- Loan-to-Share Ratio 14.6 pts
BAYOU vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.47% | +1.85 pp |
| Delinquency Rate | 0.33% | -0.64 pp |
| Return on Assets | 0.40% | -0.26 pp |
| Member Growth | -1.68% | - |
| Loan-to-Share Ratio | 83.09% | +20.49 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
BAYOU filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $83.7M | - |
| 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
Branch Locations (4)
Per its most recent NCUA branch filing, BAYOU runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Baton Rouge, LA |
| Summa Branch | Baton Rouge, LA |
| Womans Hospital Branch | Baton Rouge, LA |
| Lafayette Branch | Lafayette, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near BAYOU
Similar total assets
Similar health score
Using this data
- BAYOU ranks #1,211 of 4,374 nationally on financial health and #28 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Baton Rouge Fire Department is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Baton Rouge Fire Department
Frequently Asked Questions
Is BAYOU financially healthy?
BAYOU has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,211 of 4,374 nationally on health and #28 of 138 in Louisiana. Its net worth ratio is 15.47% and its delinquency rate 0.33%.
How does BAYOU compare to other credit unions?
BAYOU 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 loan-to-share ratio (83.09% vs 62.60%). Its widest shortfall is return on assets (0.40% vs 0.66%).
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?
BAYOU 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. BAYOU's net worth ratio of 15.47% 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.