Federal credit union · HOUSTON, Texas · NCUA charter #23582
Bayou City
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $24.1M
- Total assets
- 2,257
- Members
- 10.1%
- Net-worth ratio
Bayou City scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.1M; members 2,257; net-worth ratio 10.10%; health rank #3,920 of 4,374; healthier than 10th of scored peers.
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NCUA 5300 Call Report Masthead
#3,920 of 4,374 health · 2025Q4Bayou City · health 64/100 · $24.1M · 2025Q4
Call Report peers
Bayou City in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bayou City vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Bayou City sits in 60-64 with 179 others.
64 10th percentile higher than 10% 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 City: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 40.82% here, 59.80% peer average (-18.98 pp).
Where Bayou City sits in Texas
- Texas health ordinal: #344 of 386.
- Texas assets place: #243 of 386.
- Membership ranks #244 of 386 among Texas CUs with a reported count (2,257 members).
- One place up in Texas, Moore County Schools (#343) ties at 64/100; one place down, Port Terminal (#345) scores 63/100, 1 point lower.
Bayou City Call Report trajectory
Bayou City: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.2% from $24.1M (2025Q4) to $23.8M (2026Q1).
- Net-worth ratio shifted +0.18 pp (9.92% → 10.10%).
At 10.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 64/100 score is built
Bayou City gives up 36 points in total. Member Growth costs the most, 14.4 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.5 pts
- Return on Assets 7.2 pts
- Member Growth 0.6 pts
- Loan-to-Share Ratio 9.7 pts
Call Report ratios for Bayou City
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.10% | -4.76 pp |
| Delinquency Rate | 1.46% | +0.32 pp |
| Return on Assets | 0.06% | -0.65 pp |
| Member Growth | -4.65% | - |
| Loan-to-Share Ratio | 40.82% | -18.98 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.8M | - |
| 2025Q4 | $24.1M | 2,257 |
| 2024Q4 | $25.0M | 2,367 |
| 2023Q4 | $26.3M | 2,458 |
Credit Union Details
- Charter Number
- 23582
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- HOUSTON
- Data Quarter
- 2025Q4
Branch Locations (3)
Bayou City operates 3 offices in HOUSTON, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | HOUSTON, TX |
| JONES SERVICE CENTER | HOUSTON, TX |
| Cold Site | HOUSTON, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for Bayou City
Similar total assets
Using this data
- Bayou City ranks #3,920 of 4,374 nationally on financial health and #344 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Temple Santa Fe Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Temple Santa Fe Community
Frequently Asked Questions
Is Bayou City financially healthy?
Bayou City has a financial health score of 64/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,920 of 4,374 nationally on health and #344 of 386 in Texas. Its net worth ratio is 10.10% and its delinquency rate 1.46%.
How does Bayou City compare to other credit unions?
Bayou City scores 64/100, higher than 10% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (40.82% vs 59.80%).
How can I join Bayou City?
Bayou City 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 City directly for the exact boundaries and application steps.
Is my money safe at Bayou City?
Bayou City 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 City's net worth ratio of 10.10% 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.