Baycel

BAY CITY, TX · 1 · Charter #15563 · www.baycel.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$86.3M
35th percentile
Members
5,500
30th percentile
Total loans
$36.6M
22th percentile
Total shares
$67.1M
30th percentile

Profitability

Return on assets
2.30%
96th percentile
Net interest margin
3.84%
60th percentile
Efficiency ratio
45.13%
90th percentile
Non-interest income ratio
15.68%
42th percentile

Capital & Risk

Net worth ratio
21.93%
96th percentile
Delinquency rate
0.80%
46th percentile
Net charge-off rate
0.21%
65th percentile
Loan-to-share
54.60%
26th percentile

Growth

Member growth YoY
1.31%
73th percentile
Asset growth YoY
6.56%
73th percentile
Loan growth YoY
2.22%
55th percentile
Share growth YoY
5.34%
66th percentile

Operations

Members / branch
1,375
6th percentile
Assets / member
$15,698
60th percentile
Field of membership penetration
22.00%
71th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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