Bayou City

HOUSTON, TX · 1 · Charter #23582 · www.bcfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$24.1M
69th percentile
Members
2,257
72th percentile
Total loans
$8.8M
61th percentile
Total shares
$21.5M
71th percentile

Profitability

Return on assets
0.72%
45th percentile
Net interest margin
4.49%
68th percentile
Efficiency ratio
84.39%
18th percentile
Non-interest income ratio
25.69%
91th percentile

Capital & Risk

Net worth ratio
9.92%
15th percentile
Delinquency rate
1.46%
32th percentile
Net charge-off rate
0.86%
20th percentile
Loan-to-share
40.82%
23th percentile

Growth

Member growth YoY
-4.65%
19th percentile
Asset growth YoY
-3.55%
22th percentile
Loan growth YoY
-6.16%
36th percentile
Share growth YoY
-4.07%
24th percentile

Operations

Members / branch
752
35th percentile
Assets / member
$10,688
62th percentile
Field of membership penetration
1.81%
10th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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