Credit union · NCUA insured
Bayou City Federal Credit Union
A $23.8M credit union headquartered in Houston, TX, with 2,219 members and 2 branches in Texas. Best rates: CDs 2.86% and savings 0.05% APY.
Bayou City Federal Credit Union Carrot Score
65
Carrot Score
Higher than 15% of U.S. banks and credit unions
#91 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Bayou City Federal Credit Union
Created in 1980 by Hermann employees for employees and their families, Bayou City Federal Credit Union is collectively owned and operated by its members as a not-for-profit organization.
- Headquarters
- 6414 Fannin St Ste G50, Houston, TX 77030-1500
- NCUA charter
- 23582
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, or attend school within the bounded area of: IH 45 S to S Loop 610 W, to S Main, north to IH 45 S.
Employers and groups
- Employees or volunteers of the Memorial Hermann Healthcare system or one of its subsidiaries.
Family and household
- Persons living in the same residence and who maintain a single economic unit, excluding residents of a fraternity, sorority, or nursing home.
- Immediate family of a member of Bayou City FCU, including Parent, Grandparent, Spouse, Sibling, Child, Grandchild, Adopted Children, Stepparents, Stepchildren, and Stepsiblings.
Branches
2 branches in Texas
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Texas
2 branches
- Main OfficeMain office6414 Fannin St, Ste G50, Houston, TX 77030Directions
- Jones Service Center6411 Fannin St, # G, Houston, TX 77030Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.13% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.85% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.20% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $37 | $59 | — |
- CapitalNet worth ratio10.13%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.85%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.20%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$37Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Bayou City Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.