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
- CHARTER 89/100
- NCUSIF 15.5%
- CAMELS 0.33%
- HEALTH 0.40%
- NW $82.1M
- DELQ 7,687
- ROA #1,211/4,374
- ASSETS Metro Medical
- MEM 9931
Call Report peers
BAYOU in the assets neighbourhood
BAYOU's $82.1M assets sit next to Metro Medical ($82.0M) 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.
BAYOU 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
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: 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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
BAYOU: 2025Q4 → 2026Q1
BAYOU: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $82.1M (2025Q4) to $83.7M (2026Q1).
- Net-worth ratio shifted -0.18 pp (15.65% → 15.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
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).
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
Two NCUA Call Report peer sets for BAYOU, both outside Louisiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($82.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Louisiana credit unions compare overall before assuming this one is typical. Louisiana 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,211 of 4,374; by total assets it ranks #1,993 of 4,374 nationally (same basis as /rankings/largest); and #33 of 138 within Louisiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.47% 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 15.47% 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.
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.