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BAYOU COMMUNITY FEDERAL CREDIT UNION

Dec, 31, 2023 — BAYOU COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in SAINT GABRIEL, LA with 2 branch locations and about $16.13 million in total assets. Opened 67 years ago in 1957, BAYOU COMMUNITY FEDERAL CREDIT UNION has about 1,682 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:1,682
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, 2023
FHLB Member:No
Low Income Designation:No
Assets:$16,127,698
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 927,672
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 1,073,990
 Unsecured Loans 2,327,636
 Other Loans 8,830,118
 TOTAL LOANS 12,231,744
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -109,253
 Land And Building 765,070
 Other Fixed Assets 38,459
 NCUSIF Deposit 132,679
 All Other Assets 58,239
  TOTAL ASSETS 16,127,698
LIABILITIES & CAPITAL:  
 Dividends Payable 11,801
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 47,804
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 1,388,127
 Regular shares 8,808,106
 All Other Shares & Deposits 4,389,731
  TOTAL SHARES & DEPOSITS 14,585,963
  TOTAL LIABILITIES 14,645,568
 Regular Reserve 0
 Other Reserves 0
 Undivided Earnings 1,482,130
  TOTAL EQUITY 1,482,130
  TOTAL LIABILITIES, SHARES, & EQUITY 16,127,698
INCOME & EXPENSE  
 Loan Income 782,621
 Investment Income 81,971
 Other Income 156,907
 Total Employee Compensation & Benefits 350,146
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 486,666
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 223,937
 Cost of Funds 186,975
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -134,776
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