BAYCEL
Charter #15563 · BAY CITY, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.55% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.41% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.77% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.56% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 44.14% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BAYCEL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $90.35M | 84th pct | 84th pct |
| Members | 5,495 | 58th pct | 66th pct |
| Net worth ratio | 21.55% | 93th pct | 89th pct |
| Return on average assets | 2.41% | 99th pct | 93th pct |
| Net interest margin | 4.14% | 74th pct | 74th pct |
| Cost of funds | 0.67% | 32th pct | 44th pct |
| Loan-to-share | 51.20% | 32th pct | 48th pct |
| Delinquency 60+ days | 0.77% | 59th pct | 75th pct |
| Net charge-off ratio | 0.56% | 74th pct | 87th pct |
| Loan growth YoY | 2.03% | 80th pct | 84th pct |
| Share growth YoY | 6.47% | 84th pct | 77th pct |
| Efficiency ratio | 44.14% | 1th pct | 2th pct |
structural peer set hash: ae458a221dc2ca76e6df27c23fb9f3eb… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.