Federal credit union · Houston, Texas · NCUA charter #12892
BCM
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $41.9M
- Total assets
- 4,719
- Members
- 12.4%
- Net-worth ratio
BCM scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $41.9M; members 4,719; net-worth ratio 12.37%; health rank #2,279 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,279 of 4,374 health · 2025Q4BCM · health 83/100 · $41.9M · 2025Q4
- HEALTH 83/100
- NW 12.4%
- DELQ 1.00%
- ROA 1.40%
- ASSETS $41.9M
- MEM 4,719
- RANK #2,279/4,374
- PHOTO New Horizon
- BOOK 12892
Call Report peers
BCM in the assets neighbourhood
BCM's $41.9M assets sit next to New Horizon ($42.0M) 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.
BCM 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
83 46th percentile higher than 46% 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
BCM - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12892, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for BCM
- Return on Assets leads the peer set - 1.40% here, 0.70% peer average (+0.69 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.49 pp (12.37% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
BCM: in-state Call Report ranks
- Health composite ranks #208 of 386 among scored Texas credit unions.
- By total assets, BCM is #203 of 386 in Texas.
- Membership ranks #181 of 386 among Texas CUs with a reported count (4,719 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for BCM
BCM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $41.9M (2025Q4) to $42.3M (2026Q1).
- Net-worth ratio shifted +0.17 pp (12.20% → 12.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.37% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.9 pts
- Loan-to-Share Ratio 13.1 pts
BCM vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.37% | -2.49 pp |
| Delinquency Rate | 1.00% | -0.15 pp |
| Return on Assets | 1.40% | +0.69 pp |
| Member Growth | -2.30% | - |
| Loan-to-Share Ratio | 59.40% | -0.40 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
BCM filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $42.3M | - |
| 2025Q4 | $41.9M | 4,719 |
| 2024Q4 | $42.7M | 4,830 |
| 2023Q4 | $42.0M | 4,995 |
Credit Union Details
- Charter Number
- 12892
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (3)
BCM operates 3 offices in Houston, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Baylor (Main Office) | Houston, TX |
| Bellaire Office | Houston, TX |
| Iron Mountain | 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 BCM
BCM's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($41.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- BCM ranks #2,279 of 4,374 nationally on financial health and #208 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cabot Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cabot Community
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 BCM financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - BCM'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 #2,279 of 4,374; by total assets it ranks #2,554 of 4,374 nationally (same basis as /rankings/largest); and #203 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.37% net worth ratio and 1.00% delinquency rate are the key drivers.
How does BCM compare to other credit unions?
On PlainCU's health composite, BCM lands at 83/100, 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 BCM?
BCM 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 BCM directly for the exact boundaries and application steps.
Is my money safe at BCM?
Federal credit unions like BCM 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. BCM's net worth ratio of 12.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BCM offer compared to banks?
Credit unions like BCM 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 BCM 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.