| Weiss Ratings |
Baycel Federal Credit Union
Bay City, TX |
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| Rating | ||||
| Asset Quality Index | 9.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 6.10 | |||
| Profitability Index | 9.80 | |||
| Stability Index | 9.00 | |||
| Company Info |
Baycel Federal Credit Union
Bay City, TX |
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| NCUA Charter Number | 2952 | |||
| Phone Number | (979) 244-3995 | |||
| Website | www.baycel.org | |||
| Asset Quality |
Baycel Federal Credit Union
Bay City, TX |
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| 1-Year Asset Growth | 3.17% | |||
| 5-Year Asset Growth | 6.09% | |||
| 5-Year Charge-Offs to Average Loans | 0.16% | |||
| Charge-Offs to Average Loans | 0.28% | |||
| Non-Performing Assets to Assets | 0.67% | |||
| Non-Performing Loans to Capital | 2.14% | |||
| Non-Performing Loans to Loans | 1.06% | |||
| Balance Sheet |
Baycel Federal Credit Union
Bay City, TX |
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| Total Assets | 84.99M | |||
| Total Deposits | 66.73M | |||
| Capital and Reserves |
Baycel Federal Credit Union
Bay City, TX |
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| Capital | 18.04M | |||
| Leverage Ratio | 21.24 | |||
| Loan Loss Reserves to Loans | 0.55% | |||
| Liquidity |
Baycel Federal Credit Union
Bay City, TX |
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| Hot Money Ratio | 7.17% | |||
| Liquidity Ratio | 35.92% | |||
| Profitability |
Baycel Federal Credit Union
Bay City, TX |
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| 5-Year Return on Average Assets | 1.43% | |||
| Net Income | 962.00K | |||
| Net Interest Spread | 4.40% | |||
| Operating Profit to Average Assets | 2.53% | |||
| Overhead Efficiency Ratio | 49.59% | |||
| Return on Assets | 2.29% | |||
| Return on Equity | 10.98% | |||