Sep, 30, 2025 — BAYOU CITY FEDERAL CREDIT UNION is a federal credit union headquartered in HOUSTON, TX with 2 branch locations and about $23.98 million in total assets. Opened 46 years ago in 1980, BAYOU CITY FEDERAL CREDIT UNION has about 2,282 members and employs 8 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 CITY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 6414 FANNIN ST STE G50 HOUSTON, TX 77030-1500 |
| Phone: | (713) 704-4943 |
| Fax: | (713) 704-0524 |
| Website: | https://www.bcfcu.com |
| Branches: | 2 branch locations |
| Members: | 2,282 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 23582 |
|---|---|
| Membership Type: | Service - Health Care |
| Corporate Credit Union: | No |
| Year Opened: | 1980 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $23,983,462 |
| CEO/Manager: | RITANA LAYNE SANTAFIELD |
| Chairperson: | ROBERT A NYGAARD |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,797,465 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 1,445,649 |
| Other Loans | 7,184,141 |
| TOTAL LOANS | 8,629,790 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -132,234 |
| Land And Building | 0 |
| Other Fixed Assets | 16,572 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 216,287 |
| All Other Assets | 27,280 |
| TOTAL ASSETS | 23,983,462 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 173,704 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 5,498,087 |
| Regular shares | 12,857,697 |
| All Other Shares & Deposits | 3,106,219 |
| TOTAL SHARES & DEPOSITS | 21,462,003 |
| TOTAL LIABILITIES | 21,635,707 |
| Regular Reserve | 0 |
| Other Reserves | 323,205 |
| Undivided Earnings | 2,024,550 |
| TOTAL EQUITY | 2,347,755 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 23,983,462 |
| INCOME & EXPENSE | |
| Loan Income | 531,685 |
| Investment Income | 320,141 |
| Other Income | 189,228 |
| Total Employee Compensation & Benefits | 426,589 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 556,917 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 73,748 |
| Cost of Funds | 52,205 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 36,027 |
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