Baycel
Bay City, TX · Charter 15563 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 4 branches
Q2 2026
$92.2MAssets
$35.8MLoans
$71.9MShares
$20.1MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 99% of credit unions under $1B in assets in TX (rank 4 of 235).
- Widest gap: nonperforming loans / loans trails 70% of credit unions under $1B in assets in TX (rank 166 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.50%
Rank 5 of 235
Net Interest Margin
3.93%
Rank 111 of 235
Efficiency Ratio
43.66%
Rank 4 of 235
Equity / Assets
21.79%
Rank 43 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.50% | 0.17% | 0.57% | 1.10% | Beats 98% | 5 / 235 | | |
| Return on Equity | 11.47% | 1.03% | 4.30% | 7.58% | Beats 91% | 22 / 235 | | |
| Net Interest Margin | 3.93% | 3.32% | 3.89% | 4.35% | Beats 53% | 111 / 235 | | |
| Efficiency Ratio | 43.66% | 70.60% | 82.00% | 91.57% | Beats 99% | 4 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.01% | 0.20% | 0.59% | 1.14% | Beats 30% | 166 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.79% | 11.30% | 14.41% | 19.49% | Beats 82% | 43 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.79% | 11.30% | 14.41% | 19.49% | Beats 82% | 43 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.82% | 54.18% | 67.38% | 81.66% | 19th pctl | 191 / 235 | | |
| Loans / Assets | 38.83% | 43.80% | 56.63% | 68.64% | 18th pctl | 193 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |