TellerScore

Bayou Federal Credit Union (NCUA charter #9931) is based in Baton Rouge, Louisiana. Its Q2 2026 call report shows $82.5M in total assets and $69.0M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Bayou Federal Credit Union scores 84/100, which we describe as strong. That is higher than 75% of 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 24th. Its strongest component is capital cushion (100/100; 15.91%), and its lowest is earnings (47/100; 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.91%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.30%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity80/100
Loans ÷ shares: 80.5% · 4.4% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.85%

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 3 points (81 → 84), mostly because the earnings component improved by 11 points.

TellerScore
768084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202480
Q4 202479
Q1 202581
Q2 202581
Q3 202584
Q4 202584
Q1 202683
Q2 202684
Net worth ratio
7.00%11.46%15.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.42%
Q3 202414.72%
Q4 202414.99%
Q1 202514.76%
Q2 202514.79%
Q3 202515.21%
Q4 202515.65%
Q1 202615.47%
Q2 202615.91%
Delinquent loans (60+ days)
0.17%0.37%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.58%
Q3 20240.22%
Q4 20240.47%
Q1 20250.31%
Q2 20250.23%
Q3 20250.17%
Q4 20250.33%
Q1 20260.25%
Q2 20260.30%
Return on assets
0.27%0.55%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.30%
Q4 20240.40%
Q1 20250.41%
Q2 20250.41%
Q3 20250.59%
Q4 20250.83%
Q1 20260.50%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$82.5M15.91%0.30%0.67%80.5%
Q1 202683$83.7M15.47%0.25%0.50%80.3%
Q4 202584$82.1M15.65%0.33%0.83%83.1%
Q3 202584$82.4M15.21%0.17%0.59%81.9%
Q2 202581$83.4M14.79%0.23%0.41%80.1%
Q1 202581$83.0M14.76%0.31%0.41%79.1%
Q4 202479$81.1M14.99%0.47%0.40%82.7%
Q3 202480$81.7M14.72%0.22%0.30%81.8%
Q2 202476$82.9M14.42%0.58%0.27%80.5%

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 ratio15.91%
60th
Problem loans0.30%
69th
Net charge-offs0.24%
43rd
Return on assets0.67%
51st
Loans to deposits80.5%
19th
Uninsured deposits4.4%
25th
Loan-loss reserves0.00%
37th
Texas ratio1.8%
54th

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge Fire Department Federal Credit UnionCredit union Baton Rouge, LA92 out of 100, Very strong$82.1M22.0%0.52%vs
Professional Fire Fighters Credit UnionCredit union Shreveport, LA81 out of 100, Strong$72.6M19.3%1.49%vs
Wesla Federal Credit UnionCredit union Shreveport, LA81 out of 100, Strong$93.0M14.9%1.02%vs
Formation Federal Credit UnionCredit union Baton Rouge, LA76 out of 100, Strong$93.0M14.1%0.88%vs
Maple Federal Credit UnionCredit union Lafayette, LA78 out of 100, Strong$71.6M15.4%0.95%vs
Zellco Federal Credit UnionCredit union Bogalusa, LA89 out of 100, Very strong$94.5M31.9%0.73%vs

Deposit insurance

Is my money safe at Bayou Federal Credit Union?

Yes. Bayou Federal Credit Union is a federally insured credit union (NCUA charter #9931). 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 4.4% of shares and deposits ($3.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.91%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Bayou Federal Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bayou Federal Credit Union
Type
Federal credit union
NCUA charter #
9931
RSSD ID
961987
Primary regulator
NCUA
Established
1954
Headquarters
5880 Florida Blvd, Baton Rouge, LA 70806
Employees
22

Quick answers

Bayou Federal Credit Union: common questions

Is Bayou Federal Credit Union NCUA insured?

Yes. Bayou Federal Credit Union is a federally insured credit union (NCUA charter #9931). 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 Federal Credit Union's TellerScore?

84 out of 100 (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 Bayou Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Baton Rouge

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Baton Rouge Fire Department Federal Credit UnionCredit union Baton Rouge, LA92 out of 100, Very strong$82.1M22.0%0.52%vs
South Louisiana BankBank Houma, LA91 out of 100, Very strong$659.8M15.3%0.45%vs
Department of Corrections Credit UnionCredit union Baton Rouge, LA90 out of 100, Very strong$126.3M23.4%0.57%vs
Gp Louisiana Federal Credit UnionCredit union Zachary, LA88 out of 100, Very strong$66.2M17.0%0.80%vs
Currency BankBank Baton Rouge, LA86 out of 100, Very strong$248.5M13.4%0.14%vs