Federal credit union · Saint Gabriel, Louisiana · NCUA charter #11782
Bayou Community
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $17.6M
- Total assets
- 1,728
- Members
- 9.3%
- Net-worth ratio
Bayou Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #11782 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Bayou Community - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)95
- Asset quality (delinquency)99
- Earnings (ROA)71
- Member growth84
- Liquidity (loan-to-share)100
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.35% | 30% |
| Delinquency Rate | 0.54% | 25% |
| Return on Assets | 0.21% | 15% |
| Member Growth | 3.04% | 15% |
| Loan-to-Share Ratio | 88.80% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $17.6M | 1,728 |
| 2024Q4 | $18.3M | 1,677 |
| 2023Q4 | $16.1M | 1,682 |
Credit Union Details
- Charter Number
- 11782
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Louisiana
- City
- Saint Gabriel
- Data Quarter
- 2025Q4
What This Data Says About Bayou Community
1,728 members and $17.6M in total assets sit behind Bayou Community, a federal credit union in Saint Gabriel, Louisiana, which posts a health score of 91/100 (Excellent) on the five-factor composite, with $13.0M in outstanding loans as of Q4 2025 and a net worth ratio of 9.35% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #11782 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 88.80% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.54% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.21% on net income of $37K 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 3.04%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
- CADDO PARISH TEACHERSSHREVEPORT, LA · $10M–$50M91Health
- FLEUR-DE-LISMetairie, LA · $10M–$50M80Health
- CALCASIEU PARISH EMPLOYEESLake Charles, LA · $10M–$50M75Health
- BARTON PLANT EMPLOYEESBOUTTE, LA · $10M–$50M87Health
- ST. BERNARD PARISH SCHOOL BOARD EMPCHALMETTE, LA · $10M–$50M97Health
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 Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Bayou Community carries a financial health score of 91/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.35% net worth ratio and a 0.54% delinquency rate.
How does Bayou Community compare to other credit unions?
On PlainCU's health composite, Bayou Community lands at 91/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Community?
Bayou Community 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 Community directly for the exact boundaries and application steps.
Is my money safe at Bayou Community?
Federal credit unions like Bayou Community 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 Community's net worth ratio of 9.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bayou Community offer compared to banks?
Credit unions like Bayou Community 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 Community 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.