Bayou Community

Saint Gabriel, LA · 1 · Charter #11782 · www.bayoucfcu.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
$17.6M
58th percentile
Members
1,728
58th percentile
Total loans
$13.0M
74th percentile
Total shares
$14.7M
58th percentile

Profitability

Return on assets
1.08%
63th percentile
Net interest margin
4.47%
68th percentile
Efficiency ratio
69.78%
43th percentile
Non-interest income ratio
27.42%
92th percentile

Capital & Risk

Net worth ratio
9.35%
12th percentile
Delinquency rate
0.54%
56th percentile
Net charge-off rate
0.28%
45th percentile
Loan-to-share
88.80%
86th percentile

Growth

Member growth YoY
3.04%
89th percentile
Asset growth YoY
-3.65%
21th percentile
Loan growth YoY
11.87%
91th percentile
Share growth YoY
-9.80%
8th percentile

Operations

Members / branch
864
41th percentile
Assets / member
$10,210
58th percentile
Field of membership penetration
24.69%
38th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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