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BAYCEL FEDERAL CREDIT UNION

Dec, 31, 2023 — BAYCEL FEDERAL CREDIT UNION is a federal credit union headquartered in BAY CITY, TX with 3 branch locations and about $83.20 million in total assets. Opened 61 years ago in 1963, BAYCEL FEDERAL CREDIT UNION has about 5,200 members and employs 12 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:BAYCEL FEDERAL CREDIT UNION
Address:
(Main Office)
2320 6TH ST
BAY CITY, TX 77414-5240
Phone:(979) 244-3995
Fax:(979) 244-8207
Website:https://www.baycel.org
Branches:3 branch locations
Members:5,200
Credit Union Type:Federal Credit Union
Charter Number:15563
Membership Type:Community credit unions, urban or rural, other than those designated 'low income'
Corporate Credit Union:No
Year Opened:1963
Last Audited:Sep 01, 2023
FHLB Member:No
Low Income Designation:No
Assets:$83,200,290
CEO/Manager:Paula Abshier
Chairperson:Kristi Moss

Call Report

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Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 5,961,065
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 2,885,716
 Unsecured Loans 4,056,783
 Other Loans 27,555,126
 TOTAL LOANS 34,497,625
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -135,863
 Land And Building 1,154,631
 Other Fixed Assets 41,400
 NCUSIF Deposit 662,664
 All Other Assets 0
  TOTAL ASSETS 83,200,290
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 266,320
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 15,489,264
 Regular shares 40,758,920
 All Other Shares & Deposits 11,158,144
  TOTAL SHARES & DEPOSITS 67,406,329
  TOTAL LIABILITIES 67,672,649
 Regular Reserve 0
 Other Reserves 0
 Undivided Earnings 15,527,641
  TOTAL EQUITY 15,527,641
  TOTAL LIABILITIES, SHARES, & EQUITY 83,200,290
INCOME & EXPENSE  
 Loan Income 1,768,346
 Investment Income 779,490
 Other Income 261,480
 Total Employee Compensation & Benefits 763,719
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 863,376
 Non-operating Income & (Expense) 3,960
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 9,846
 Cost of Funds 357,412
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 1,177,862
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