TellerScore

Headquartered in Bay City, Texas, Baycel Federal Credit Union is a federal credit union with $92.2M in total assets and $71.9M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1963.

Based on its Q2 2026 filing, Baycel Federal Credit Union scores 91/100, which we describe as very strong. That is higher than 90% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 33rd. Its strongest component is capital cushion (100/100; 21.79%), and its lowest is loan quality (66/100; 1.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.79%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.01%
Earnings100/100
Return on assets (annualized): 2.50%
Funding & liquidity100/100
Loans ÷ shares: 49.8% · 2.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.80%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (86 → 91), mostly because the loan quality component improved by 19 points.

TellerScore
869093Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202488
Q4 202489
Q1 202591
Q2 202586
Q3 202592
Q4 202593
Q1 202693
Q2 202691
Net worth ratio
7.00%14.46%21.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.72%
Q3 202420.60%
Q4 202421.09%
Q1 202520.68%
Q2 202521.24%
Q3 202521.85%
Q4 202521.93%
Q1 202621.55%
Q2 202621.79%
Delinquent loans (60+ days)
0.77%1.17%1.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.92%
Q3 20241.32%
Q4 20241.18%
Q1 20251.06%
Q2 20251.58%
Q3 20250.97%
Q4 20250.80%
Q1 20260.77%
Q2 20261.01%
Return on assets
1.66%2.08%2.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.66%
Q3 20241.96%
Q4 20241.91%
Q1 20251.98%
Q2 20252.26%
Q3 20252.38%
Q4 20252.16%
Q1 20262.35%
Q2 20262.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$92.2M21.79%1.01%2.50%49.8%
Q1 202693$90.4M21.55%0.77%2.35%51.2%
Q4 202593$86.3M21.93%0.80%2.16%54.6%
Q3 202592$85.2M21.85%0.97%2.38%53.4%
Q2 202586$85.0M21.24%1.58%2.26%53.9%
Q1 202591$84.7M20.68%1.06%1.98%53.4%
Q4 202489$81.0M21.09%1.18%1.91%56.3%
Q3 202488$81.3M20.60%1.32%1.96%56.6%
Q2 202489$82.4M19.72%0.92%1.66%56.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio21.79%
82nd
Problem loans1.01%
39th
Net charge-offs0.31%
38th
Return on assets2.50%
97th
Loans to deposits49.8%
64th
Uninsured deposits2.5%
40th
Loan-loss reserves0.00%
37th
Texas ratio1.8%
55th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Wellspring Federal Credit UnionCredit union Bridge City, TX61 out of 100, Moderate$91.8M8.9%0.71%vs
Coastal Community Federal Credit UnionCredit union Galveston, TX39 out of 100, Low$93.3M9.9%2.79%vs
Cooperative TeachersCredit union Tyler, TX30 out of 100, Low$93.8M7.9%4.31%vs
Southland Federal Credit UnionCredit union Lufkin, TX85 out of 100, Very strong$89.2M14.4%0.62%vs
Westex Federal Credit UnionCredit union Lubbock, TX52 out of 100, Below average$88.9M9.3%1.84%vs
Southwest Research Center Federal Credit UnionCredit union San Antonio, TX79 out of 100, Strong$87.6M11.6%0.50%vs

Deposit insurance

Is my money safe at Baycel Federal Credit Union?

Yes. Baycel Federal Credit Union is a federally insured credit union (NCUA charter #15563). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.5% of shares and deposits ($1.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 21.79%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Baycel Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Baycel Federal Credit Union
Type
Federal credit union
NCUA charter #
15563
RSSD ID
341589
Primary regulator
NCUA
Established
1963
Headquarters
2320 6th St, Bay City, TX 77414
Employees
12

Quick answers

Baycel Federal Credit Union: common questions

Is Baycel Federal Credit Union NCUA insured?

Yes. Baycel Federal Credit Union is a federally insured credit union (NCUA charter #15563). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Baycel Federal Credit Union's TellerScore?

91 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Baycel Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bay City

InstitutionScoreAssetsCapitalProblem loansCompare
Old Ocean Federal Credit UnionCredit union Sweeny, TX98 out of 100, Very strong$41.6M20.5%0.24%vs
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
NewFirst National BankBank El Campo, TX84 out of 100, Strong$934.9M12.5%0.21%vs
Texasgulf Federal Credit UnionCredit union Wharton, TX81 out of 100, Strong$220.5M14.3%0.61%vs
SouthStar Bank, S.S.B.Bank Moulton, TX77 out of 100, Strong$1.4B13.3%0.62%vs
Texas Gulf Bank, National AssociationBank Houston, TX76 out of 100, Strong$726.9M12.0%0.00%vs