TellerScore

Headquartered in Houston, Texas, Bayou City Federal Credit Union is a federal credit union with $23.8M in total assets and $21.3M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1980.

Based on its Q2 2026 filing, Bayou City Federal Credit Union scores 54/100, which we describe as below average. That is higher than only 13% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 337th. Its strongest component is funding & liquidity (100/100; 37% loans-to-deposits, 3% uninsured), and its lowest is earnings (28/100; 0.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.13%
Loan quality38/100
Loans 60+ days delinquent ÷ total loans: 1.85%
Earnings28/100
Return on assets (annualized): 0.20%
Funding & liquidity100/100
Loans ÷ shares: 37.3% · 2.9% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.01%

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 fell 8 points (62 → 54), mostly because the loan quality component weakened by 37 points.

TellerScore
525762Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202455
Q4 202454
Q1 202559
Q2 202562
Q3 202561
Q4 202558
Q1 202662
Q2 202654
Net worth ratio
7.00%8.57%10.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.90%
Q3 20249.08%
Q4 20249.24%
Q1 20259.28%
Q2 20259.58%
Q3 20259.79%
Q4 20259.92%
Q1 202610.10%
Q2 202610.13%
Delinquent loans (60+ days)
0.74%1.30%1.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.44%
Q3 20241.19%
Q4 20241.40%
Q1 20250.90%
Q2 20250.74%
Q3 20250.92%
Q4 20251.46%
Q1 20260.94%
Q2 20261.85%
Return on assets
-0.09%0.12%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.09%
Q3 20240.01%
Q4 20240.06%
Q1 20250.01%
Q2 20250.17%
Q3 20250.20%
Q4 20250.33%
Q1 20260.23%
Q2 20260.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$23.8M10.13%1.85%0.20%37.3%
Q1 202662$23.8M10.10%0.94%0.23%39.1%
Q4 202558$24.1M9.92%1.46%0.33%40.8%
Q3 202561$24.0M9.79%0.92%0.20%40.2%
Q2 202562$24.3M9.58%0.74%0.17%41.6%
Q1 202559$24.9M9.28%0.90%0.01%42.0%
Q4 202454$25.0M9.24%1.40%0.06%41.7%
Q3 202455$25.3M9.08%1.19%0.01%38.8%
Q2 202452$25.7M8.90%1.44%-0.09%36.6%

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 ratio10.13%
17th
Problem loans1.85%
23rd
Net charge-offs1.08%
13th
Return on assets0.20%
27th
Loans to deposits37.3%
82nd
Uninsured deposits2.9%
37th
Loan-loss reserves0.00%
37th
Texas ratio8.0%
18th

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Deposit insurance

Is my money safe at Bayou City Federal Credit Union?

Yes. Bayou City Federal Credit Union is a federally insured credit union (NCUA charter #23582). 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 2.9% of shares and deposits ($624K) 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 10.13%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Bayou City Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bayou City Federal Credit Union
Type
Federal credit union
NCUA charter #
23582
RSSD ID
233880
Primary regulator
NCUA
Established
1980
Headquarters
6414 Fannin St Ste G50, Houston, TX 77030
Employees
8

Quick answers

Bayou City Federal Credit Union: common questions

Is Bayou City Federal Credit Union NCUA insured?

Yes. Bayou City Federal Credit Union is a federally insured credit union (NCUA charter #23582). 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 Bayou City Federal Credit Union's TellerScore?

54 out of 100 (Below average), 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 Bayou City Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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