TellerScore

Bayou Community Federal Credit Union is a federal credit union headquartered in Saint Gabriel, Louisiana, in business for about 69 years. At the end of Q2 2026 it reported $17.7M in total assets and $15.8M in member shares and deposits, with 1 office.

Bayou Community Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 77th. Problem-loan coverage contributes the most (88/100, 6.2%); capital cushion contributes the least (49/100, 9.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.90%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.56%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity73/100
Loans ÷ shares: 87.2% · 1.3% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.21%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 68).

TellerScore
476277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202447
Q3 202449
Q4 202463
Q1 202577
Q2 202568
Q3 202571
Q4 202563
Q1 202669
Q2 202668
Net worth ratio
7.00%8.48%9.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20248.29%
Q3 20248.91%
Q4 20248.30%
Q1 20259.18%
Q2 20258.92%
Q3 20259.51%
Q4 20259.35%
Q1 20269.96%
Q2 20269.90%
Delinquent loans (60+ days)
0.16%0.59%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.01%
Q3 20241.02%
Q4 20240.16%
Q1 20250.42%
Q2 20250.55%
Q3 20250.34%
Q4 20250.54%
Q1 20260.72%
Q2 20260.56%
Return on assets
-0.69%1.58%3.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.69%
Q3 2024-0.36%
Q4 20240.20%
Q1 20253.85%
Q2 20251.23%
Q3 20251.19%
Q4 20250.74%
Q1 20261.36%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$17.7M9.90%0.56%1.13%87.2%
Q1 202669$17.3M9.96%0.72%1.36%86.4%
Q4 202563$17.6M9.35%0.54%0.74%88.8%
Q3 202571$17.6M9.51%0.34%1.19%79.2%
Q2 202568$18.3M8.92%0.55%1.23%74.4%
Q1 202577$18.5M9.18%0.42%3.85%71.7%
Q4 202463$18.3M8.30%0.16%0.20%69.5%
Q3 202449$16.1M8.91%1.02%-0.36%78.4%
Q2 202447$17.2M8.29%1.01%-0.69%74.7%

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 ratio9.90%
16th
Problem loans0.56%
55th
Net charge-offs0.31%
38th
Return on assets1.13%
73rd
Loans to deposits87.2%
12th
Uninsured deposits1.3%
51st
Loan-loss reserves0.00%
37th
Texas ratio6.2%
23rd

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Caddo Parish Teachers Federal Credit UnionCredit union Shreveport, LA80 out of 100, Strong$17.0M23.4%1.27%vs
Fleur-De-Lis Federal Credit UnionCredit union Metairie, LA75 out of 100, Strong$16.8M11.9%0.23%vs
Calcasieu Parish Employees Federal Credit UnionCredit union Lake Charles, LA70 out of 100, Strong$18.6M16.5%1.51%vs
St. Bernard Parish School Board Emp Federal Credit UnionCredit union Chalmette, LA93 out of 100, Very strong$15.9M37.6%0.38%vs
Barton Plant Employees Federal Credit UnionCredit union Luling, LA87 out of 100, Very strong$15.7M33.0%0.14%vs
Tulane/Loyola Federal Credit UnionCredit union New Orleans, LA27 out of 100, Low$15.3M6.7%2.33%vs

Deposit insurance

Is my money safe at Bayou Community Federal Credit Union?

Yes. Bayou Community Federal Credit Union is a federally insured credit union (NCUA charter #11782). 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 1.3% of shares and deposits ($211K) 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 9.90%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Bayou Community Federal Credit Union lists 1 office in 1 city. Most locations:

  • Carville, LA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Bayou Community Federal Credit Union
Type
Federal credit union
NCUA charter #
11782
RSSD ID
1007882
Primary regulator
NCUA
Established
1957
Headquarters
PO Box 87, Saint Gabriel, LA 70776
Employees
6

Quick answers

Bayou Community Federal Credit Union: common questions

Is Bayou Community Federal Credit Union NCUA insured?

Yes. Bayou Community Federal Credit Union is a federally insured credit union (NCUA charter #11782). 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 Community Federal Credit Union's TellerScore?

68 out of 100 (Moderate), 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 Community Federal Credit Union have?

1 office as of the latest NCUA data.