Sep, 30, 2025 — BAYOU COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in SAINT GABRIEL, LA with 2 branch locations and about $17.62 million in total assets. Opened 69 years ago in 1957, BAYOU COMMUNITY FEDERAL CREDIT UNION has about 1,722 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | BAYOU COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 6190 Highway 74 SAINT GABRIEL, LA 70776 |
| Phone: | (225) 642-8663 |
| Fax: | (225) 642-5909 |
| Website: | https://www.bayoucfcu.com |
| Branches: | 2 branch locations |
| Members: | 1,722 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 11782 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1957 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $17,624,449 |
| CEO/Manager: | MELISSA A MALLET |
| Chairperson: | FRANK PANEPINTO |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,137,112 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,103,883 |
| Unsecured Loans | 2,150,514 |
| Other Loans | 9,315,254 |
| TOTAL LOANS | 12,569,651 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -174,685 |
| Land And Building | 733,151 |
| Other Fixed Assets | 22,965 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 142,396 |
| All Other Assets | 0 |
| TOTAL ASSETS | 17,624,449 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 797 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 81,702 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 1,639,968 |
| Regular shares | 10,784,934 |
| All Other Shares & Deposits | 3,440,405 |
| TOTAL SHARES & DEPOSITS | 15,865,307 |
| TOTAL LIABILITIES | 15,947,806 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 1,676,643 |
| TOTAL EQUITY | 1,676,643 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 17,624,449 |
| INCOME & EXPENSE | |
| Loan Income | 646,105 |
| Investment Income | 110,377 |
| Other Income | 118,876 |
| Total Employee Compensation & Benefits | 237,250 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 407,143 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 63,000 |
| Cost of Funds | 185,598 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 157,643 |
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