Federal credit union · Saint Gabriel, Louisiana · NCUA charter #11782
Bayou Community
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $17.6M
- Total assets
- 1,728
- Members
- 10.0%
- Net-worth ratio
Bayou Community scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.6M; members 1,728; net-worth ratio 9.96%; health rank #683 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#683 of 4,374 health · 2025Q4Bayou Community · health 93/100 · $17.6M · 2025Q4
Call Report peers
Bayou Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bayou Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Bayou Community sits in 90-94 with 747 others.
93 Top 16% higher than 84% 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 Community vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 88.80% here, 59.80% peer average (+29.00 pp).
- Net Worth Ratio trails the peer set - 9.96% here, 14.86% peer average (-4.90 pp).
Bayou Community: in-state Call Report ranks
- Louisiana health ordinal: #16 of 138.
- By total assets, Bayou Community is #74 of 138 in Louisiana.
- Member book place in Louisiana: #78 of 138.
- One place up in Louisiana, First Street (#15) ties at 93/100; one place down, Efcu Financial (#17) ties at 93/100.
Quarter path for Bayou Community
Bayou Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.9% from $17.6M (2025Q4) to $17.3M (2026Q1).
- Net-worth ratio shifted +0.61 pp (9.35% → 9.96%).
9.96% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Bayou Community gives up 7 points in total. Return on Assets costs the most, 4.4 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 29.9 pts
- Delinquency Rate 24.6 pts
- Return on Assets 10.6 pts
- Member Growth 12.6 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Bayou Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.96% | -4.90 pp |
| Delinquency Rate | 0.54% | -0.61 pp |
| Return on Assets | 0.21% | -0.50 pp |
| Member Growth | 3.04% | - |
| Loan-to-Share Ratio | 88.80% | +29.00 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Bayou Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.3M | - |
| 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
Branch Locations (2)
Bayou Community operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| St. Gabriel Branch (Main Office) | Saint Gabriel, LA |
| Bayou Community F.C.U. | CARVILLE, 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.
- 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
Bayou Community nationwide neighbourhoods
Using this data
- Bayou Community ranks #683 of 4,374 nationally on financial health and #16 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Caddo Parish Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Caddo Parish Teachers
Frequently Asked Questions
Is Bayou Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Bayou Community scores 93/100 (Excellent), with a 9.96% net worth ratio and 0.54% of loans delinquent. It ranks #683 of 4,374 nationally on health and #16 of 138 in Louisiana.
How does Bayou Community compare to other credit unions?
Bayou Community scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (88.80% vs 59.80%). Its widest shortfall is net worth ratio (9.96% vs 14.86%).
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?
Bayou Community 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 Community's net worth ratio of 9.96% 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.