BAYCEL
Federal • BAY CITY, Texas • Est. 1963
Quick Facts
- Charter Number
- #15563
- Type
- Federal
- Established
- 1963
- Headquarters
- BAY CITY, Texas 77414-5240
- Address
- 2320 6TH ST
- Branches
- 4
- ATMs
- 2
- Members
- 5,500
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
5,500 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | BAYCEL |
|---|---|
| Total Assets | $86.3M |
| Members | 5,500 |
| Loans Outstanding | $36.6M |
| Shares & Deposits | $67.1M |
| Net Worth | $18.9M |
| Net Worth Ratio | 21.93% |
| Loan-to-Share Ratio | 54.6% |
| Delinquency Rate | 0.80% |
| Net Income | +$1,988,071 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 2 ATMs
Main Office
Main Office2320 6TH ST
Bay City, TX 77414-5240
BCHS Branch
400 7th St
Bay City, TX 77414
VVHS Branch
8980 STATE HIGHWAY 35 N
Van Vleck, TX 77482
Matagorda County Credit Union
3700 Avenue F
Bay City, TX 77414-7606
Who Can Join BAYCEL?
Membership Type: Other/Unknown
Membership eligibility for BAYCEL may vary. Contact the credit union directly to confirm qualification requirements.
Contact BAYCEL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Texas RankingsFrequently Asked Questions
Yes. BAYCEL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, BAYCEL has 5,500 members and a potential membership field of 25,000 people.
BAYCEL's net worth ratio is 21.93% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 21.9%, BAYCEL meets this threshold.
BAYCEL operates 4 branch locations and has access to 2 ATMs. The main office is located at 2320 6TH ST, Bay City, TX 77414-5240.
BAYCEL was established in 1963. It is a federal credit union chartered under charter number 15563. The institution has been serving members for 63 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or BAYCEL. All financial data is for informational purposes only.