Sep, 30, 2025 — BAYCEL FEDERAL CREDIT UNION is a federal credit union headquartered in BAY CITY, TX with 4 branch locations and about $85.16 million in total assets. Opened 63 years ago in 1963, BAYCEL FEDERAL CREDIT UNION has about 5,484 members and employs 14 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: | 4 branch locations |
| Members: | 5,484 |
| 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: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $85,155,501 |
| CEO/Manager: | Paula Abshier |
| Chairperson: | Kristi Moss |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 6,801,402 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 3,021,168 |
| Unsecured Loans | 3,836,490 |
| Other Loans | 28,595,145 |
| TOTAL LOANS | 35,452,804 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -185,812 |
| Land And Building | 1,123,881 |
| Other Fixed Assets | 73,120 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 626,499 |
| All Other Assets | 0 |
| TOTAL ASSETS | 85,155,501 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 209,907 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 17,921,966 |
| Regular shares | 36,884,688 |
| All Other Shares & Deposits | 11,545,639 |
| TOTAL SHARES & DEPOSITS | 66,352,292 |
| TOTAL LIABILITIES | 66,562,199 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 18,593,302 |
| TOTAL EQUITY | 18,593,302 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 85,155,501 |
| INCOME & EXPENSE | |
| Loan Income | 1,747,638 |
| Investment Income | 1,168,259 |
| Other Income | 222,951 |
| Total Employee Compensation & Benefits | 691,757 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 784,749 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 102,175 |
| Cost of Funds | 344,528 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,517,455 |
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