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BAYOU COMMUNITY FEDERAL CREDIT UNION

Dec, 31, 2020 — BAYOU COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in Saint Gabriel, LA with 3 branch locations and about $14.56 million in total assets. Opened 64 years ago in 1957, BAYOU COMMUNITY FEDERAL CREDIT UNION has about 1,551 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)
PO Box 87
Saint Gabriel, LA 70776
Phone:(225) 642-8663
Fax:(225) 642-5909
Website:http://www.bayoucfcu.com
Branches:3 branch locations
Members:1,551
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$14,556,982
CEO/Manager:MELISSA A MALLET
Chairperson:FRANK PANEPINTO

Call Report

  • Credit Builder
  • Overdraft Protection
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • Insurance/Investment Sales
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 1,171,572
TOTAL INVESTMENTS 1,519,134
Loans Held for Sale 0
 
 Real Estate Loans 1,172,836
 Unsecured Loans 2,067,678
 Other Loans 7,494,057
 TOTAL LOANS 10,734,571
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -81,709
 Land And Building 828,503
 Other Fixed Assets 80,849
 NCUSIF Deposit 110,990
 All Other Assets 193,072
  TOTAL ASSETS 14,556,982
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities -33,270
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 998,293
 Regular shares 9,346,494
 All Other Shares & Deposits 2,870,747
  TOTAL SHARES & DEPOSITS 13,215,534
  TOTAL LIABILITIES 13,182,264
 Regular Reserve 69,277
 Other Reserves 0
 Undivided Earnings 1,305,441
  TOTAL EQUITY 1,374,718
  TOTAL LIABILITIES, SHARES, & EQUITY 14,556,982
INCOME & EXPENSE  
 Loan Income 668,900
 Investment Income 25,179
 Other Income 199,212
 Total Employee Compensation & Benefits 301,138
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 362,609
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 86,310
 Cost of Funds 94,490
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 48,744
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