BAYOU CITY
Charter #23582 · HOUSTON, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.62% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.05% sits at the 84th percentile of structural peers — worth a closer look.
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 | BAYOU CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.83M | 46th pct | 44th pct |
| Members | 2,219 | 55th pct | 43th pct |
| Net worth ratio | 10.10% | 19th pct | 33th pct |
| Return on average assets | 0.23% | 28th pct | 38th pct |
| Net interest margin | 4.62% | 82th pct | 92th pct |
| Cost of funds | 0.26% | 19th pct | 26th pct |
| Loan-to-share | 39.12% | 20th pct | 30th pct |
| Delinquency 60+ days | 0.94% | 66th pct | 61th pct |
| Net charge-off ratio | 1.05% | 86th pct | 84th pct |
| Loan growth YoY | -3.37% | 43th pct | 57th pct |
| Share growth YoY | -0.66% | 21th pct | 23th pct |
| Efficiency ratio | 90.16% | 73th pct | 70th pct |
structural peer set hash: 191b7ef44c464d84bd4d3cc802aa8489… (reproducible)
Closest structural peers
This is the free public view
Claim BAYOU CITY
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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.