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BAYOU COMMUNITY FEDERAL CREDIT UNION

Sep, 30, 2021 — BAYOU COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in Saint Gabriel, LA with 3 branch locations and about $15.64 million in total assets. Opened 65 years ago in 1957, BAYOU COMMUNITY FEDERAL CREDIT UNION has about 1,631 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:1,631
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, 2021
FHLB Member:No
Low Income Designation:No
Assets:$15,643,967
CEO/Manager:MELISSA A MALLET
Chairperson:FRANK PANEPINTO

Call Report

  • Credit Builder
  • Payday Alternative Loans (PAL Loans)
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 1,624,696
TOTAL INVESTMENTS 1,698,544
Loans Held for Sale 0
 
 Real Estate Loans 1,157,636
 Unsecured Loans 1,943,533
 Other Loans 8,107,888
 TOTAL LOANS 11,209,057
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -87,699
 Land And Building 812,645
 Other Fixed Assets 74,301
 NCUSIF Deposit 131,374
 All Other Assets 181,049
  TOTAL ASSETS 15,643,967
LIABILITIES & CAPITAL:  
 Dividends Payable 535
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 130,048
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 1,341,229
 Regular shares 10,091,582
 All Other Shares & Deposits 2,581,750
  TOTAL SHARES & DEPOSITS 14,014,561
  TOTAL LIABILITIES 14,145,144
 Regular Reserve 69,277
 Other Reserves 0
 Undivided Earnings 1,429,546
  TOTAL EQUITY 1,498,823
  TOTAL LIABILITIES, SHARES, & EQUITY 15,643,967
INCOME & EXPENSE  
 Loan Income 518,471
 Investment Income 5,635
 Other Income 91,659
 Total Employee Compensation & Benefits 246,524
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 299,485
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 43,385
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 124,128
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