PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Baycel

Bay City, TX · Charter 15563

NCUA · 4 branches

Q2 2026

$92.2MAssets
$35.8MLoans
$71.9MShares
$20.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.50%, up 24 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 1.01% of loans (-57 bps YoY).
  • Capital: net worth / assets of 21.79%, up 54 bps from a year ago.
  • Funding: loans stand at 49.82% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.50%+24 bps YoY

Net Interest Margin (quarter, annualized)

3.92%0 bps YoY

Efficiency Ratio (quarter, annualized)

43.69%-366 bps YoY

Net Worth / Assets

21.79%+54 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.26%2.38%2.16%2.35%2.50%+24 bps
Return on Equity10.65%10.87%9.83%10.92%11.47%+82 bps
Net Interest Margin3.93%4.03%3.84%4.05%3.92%0 bps
Efficiency Ratio47.35%47.69%50.58%44.14%43.69%-366 bps
Growth
Asset Growth (YoY)3.17%4.70%6.56%6.70%8.50%+533 bps
Loan Growth (YoY)-2.71%-2.72%2.22%1.27%-0.51%+220 bps
Share Growth (YoY)1.28%3.04%5.34%5.52%7.72%+644 bps
Asset Quality
Delinquent Loans / Loans1.58%0.97%0.80%0.77%1.01%-57 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital21.24%21.86%21.93%21.55%21.79%+54 bps
Net Worth / Assets21.24%21.86%21.93%21.55%21.79%+54 bps
Liquidity & Funding
Loans / Shares53.94%53.43%54.60%51.20%49.82%-412 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps