credit union · NCUA 15563 · TX
How big is BAYCEL?
BAYCEL (TX, NCUA charter 15563) reported total assets of $92.2M, 5,479 members and a net worth ratio of 21.79% in its Call Report for 2026Q2. That ranks 1892 of 4,299 federally insured credit unions by assets, 72 of 573 among credit unions with $50m-$100m in assets, 149 of 380 credit unions in texas.
What stands out
BAYCEL (TX, NCUA charter 15563) reported total assets of $92.2M, 5,479 members and a net worth ratio of 21.79% in its Call Report for 2026Q2. That ranks 1892 of 4,299 federally insured credit unions by assets, 72 of 573 among credit unions with $50m-$100m in assets, 149 of 380 credit unions in texas. Against its size class: net worth ratio 21.79%, above the peer median of 12.95%; loan-to-share ratio 49.82%, below the peer median of 60.93%; return on assets 2.50%, above the peer median of 0.73%. At 21.79% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $92.2M | $72.1M | $49.9M | $68.3M | record → |
| Shares and deposits | $71.9M | $61.4M | $40.8M | $58.3M | record → |
| Loans outstanding | $35.8M | $37.6M | $24.4M | $34.4M | record → |
| Net income (year to date) | $1.2M | $269.0k | $141.6k | $222.2k | record → |
| Net worth | $20.1M | $9.2M | $7.4M | $9.0M | record → |
| Net worth ratio | 21.79% | 12.95% | 13.62% | 12.65% | record → |
| Loan-to-share ratio | 49.82% | 60.93% | 70.24% | 68.70% | computed |
| Return on assets | 2.50% | 0.73% | 0.59% | 0.71% | computed |
| Members | 5,479 | 5,030 | 4,156 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $92.2M | $71.9M | $35.8M | $1.2M | 21.79% | 5,479 | 1892 |
| 2026Q1 | $90.4M | $70.6M | $36.2M | $531.7k | 21.55% | 5,495 | 1920 |
| 2025Q4 | $86.3M | $67.1M | $36.6M | $1.9M | 21.93% | 5,500 | 1955 |
| 2025Q3 | $85.2M | $66.4M | $35.5M | $1.5M | 21.85% | 5,484 | 1966 |
| 2025Q2 | $85.0M | $66.7M | $36.0M | $961.8k | 21.24% | 5,484 | 1971 |
| 2025Q1 | $84.7M | $66.9M | $35.7M | $420.0k | 20.68% | 5,452 | 1979 |
| 2024Q4 | $81.0M | $63.7M | $35.8M | $1.5M | 21.09% | 5,429 | 2010 |
| 2024Q3 | $81.3M | $64.4M | $36.4M | $1.2M | 20.60% | 5,383 | 2009 |
| 2024Q2 | $82.4M | $65.9M | $37.0M | $685.2k | 19.72% | 5,341 | 2001 |
| 2024Q1 | $84.3M | $68.2M | $36.1M | $332.5k | 18.84% | 5,280 | 1989 |
| 2023Q4 | $83.2M | $67.4M | $34.5M | $1.2M | 18.70% | 5,200 | 1993 |
| 2023Q3 | $82.1M | $66.6M | $34.7M | $917.8k | 18.65% | 5,140 | 2019 |
| 2023Q2 | $83.2M | $68.1M | $34.1M | $564.5k | 17.97% | 5,115 | 2005 |
| 2023Q1 | $83.3M | $68.4M | $32.7M | $249.1k | 17.60% | 5,074 | 2025 |
| 2022Q4 | $81.0M | $66.3M | $30.8M | $862.3k | 17.80% | 5,008 | 2048 |
| 2022Q3 | $80.0M | $65.6M | $30.5M | $637.0k | 17.72% | 4,967 | 2078 |
| 2022Q2 | $82.0M | $67.8M | $29.4M | $399.5k | 17.01% | 4,921 | 2052 |
| 2022Q1 | $81.4M | $67.5M | $29.6M | $190.6k | 16.87% | 4,838 | 2059 |
| 2021Q4 | $75.7M | $61.9M | $30.0M | $894.4k | 17.88% | 4,748 | 2114 |
| 2021Q3 | $74.1M | $60.5M | $30.9M | $758.5k | 18.09% | 4,716 | 2126 |
| 2021Q2 | $72.3M | $58.9M | $30.5M | $566.5k | 18.27% | 4,696 | 2143 |
| 2021Q1 | $70.3M | $57.2M | $30.2M | $234.8k | 18.33% | 4,652 | 2168 |
| 2020Q4 | $66.9M | $53.9M | $30.9M | $962.8k | 18.90% | 4,630 | 2166 |
| 2020Q3 | $66.0M | $53.4M | $30.1M | $784.0k | 18.89% | 4,622 | 2153 |
| 2020Q2 | $64.1M | $51.8M | $30.3M | $459.9k | 18.93% | 4,594 | 2170 |
| 2020Q1 | $61.6M | $49.5M | $30.4M | $246.5k | 19.36% | 4,587 | 2150 |
| 2019Q4 | $60.3M | $48.4M | $30.9M | $978.8k | 19.38% | 4,583 | 2146 |
| 2019Q3 | $59.8M | $48.1M | $30.4M | $828.1k | 19.29% | 4,560 | 2152 |
| 2019Q2 | $61.4M | $49.9M | $30.3M | $530.0k | 18.31% | 4,565 | 2132 |
| 2019Q1 | $62.6M | $51.5M | $29.5M | $221.3k | 17.44% | 4,657 | 2106 |
| 2018Q4 | $60.5M | $49.6M | $29.1M | $962.3k | 17.70% | 4,620 | 2125 |
| 2018Q3 | $60.6M | $49.9M | $29.0M | $793.9k | 17.38% | 4,578 | 2126 |
| 2018Q2 | $60.1M | $49.7M | $29.3M | $481.9k | 17.01% | 4,530 | 2147 |
| 2018Q1 | $60.1M | $49.9M | $28.9M | $220.9k | 16.58% | 4,480 | 2153 |
| 2017Q4 | $58.9M | $48.9M | $28.9M | $679.5k | 16.55% | 4,428 | 2148 |
| 2017Q3 | $57.7M | $48.0M | $28.4M | $508.1k | 16.58% | 4,390 | 2178 |
| 2017Q2 | $57.1M | $47.5M | $28.6M | $396.1k | 16.56% | 4,316 | 2198 |
| 2017Q1 | $57.5M | $48.1M | $27.6M | $225.7k | 16.15% | 4,259 | 2202 |
| 2016Q4 | $56.6M | $47.4M | $27.4M | $618.2k | 16.00% | 4,209 | 2191 |
| 2016Q3 | $55.1M | $46.0M | $27.4M | $533.0k | 16.29% | 4,120 | 2214 |
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