Baycel
Baycel is a credit union based in Bay City, Texas, established in 1963, with $90 million in total assets serving 5,495 members. By Trust Grade it ranks 39th of 379 credit unions we track in Texas. Its net worth ratio of 21.6% is stronger than 82% of similarly sized credit unions, versus a Texas median of 13.5%. It was profitable over the most recent period, with a 2.35% return on assets. No consumer complaints against Baycel appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Baycel compares to Texas peers
How we graded Baycel
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (21.6% capital ratio)
- Strongly profitable (ROA 2.35%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Baycel over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Baycel insured?
Yes. Baycel is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Baycel: frequently asked questions
Is Baycel a good credit union?
Baycel earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (21.6% capital ratio); Strongly profitable (ROA 2.35%).
Is Baycel NCUA-insured?
Yes. Baycel is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Baycel?
Baycel holds $90 million in total assets, ranking 39th of 379 credit unions we track in Texas. It serves 5,495 members.
Does Baycel have CFPB complaints?
No CFPB complaints against Baycel appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
