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
- 5,495
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
5,495 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | BAYCEL |
|---|---|
| Total Assets | $90.4M |
| Members | 5,495 |
| Loans Outstanding | $36.2M |
| Shares & Deposits | $70.6M |
| Net Worth | $19.5M |
| Net Worth Ratio | 21.55% |
| Loan-to-Share Ratio | 51.2% |
| Delinquency Rate | 0.77% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Texas
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Texas RankingsFrequently Asked Questions
BAYCEL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, BAYCEL has 5,495 members and a potential membership field of 25,000 people.
BAYCEL's reported net worth ratio is 21.55% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or BAYCEL. All financial data is for informational purposes only.