Credit union · NCUA insured
Bayou Community Federal Credit Union
A $17.3M credit union headquartered in St. Gabriel, LA, with 1,568 members and 2 branches in Louisiana. Best rates: CDs 4.08% and savings 0.10% APY.
Bayou Community Federal Credit Union Carrot Score
68
Carrot Score
Higher than 22% of U.S. banks and credit unions
#20 of 32 in Baton Rouge, LA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Bayou Community Federal Credit Union
Bayou Community Federal Credit Union is a member-owned financial institution that has been serving members since 1957.
Headquartered with branches in St. Gabriel and Carville, Louisiana, it serves individuals who live, work, worship, or conduct business in Iberville Parish east of the Mississippi River.
- Headquarters
- 6190 Highway 74, St. Gabriel, LA 70776
- NCUA charter
- 11782
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who works, worships, lives in, or conducts business in Iberville Parish (East side of the Mississippi River) is eligible for membership.
Family and household
- Family members of eligible members, including spouse, father, mother, sister, brother, child, and grandchild, are eligible for membership.
Branches
2 branches in Louisiana
Loading map…
Louisiana
2 branches
- St. Gabriel BranchMain office6190 Highway 74, St. Gabriel, LA 70776Directions
- Bayou Community F.C.U.5445 Point Clair Rd, Carville, LA 70721Directions
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 | 9.90% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.56% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.13% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $87 | $59 | — |
- CapitalNet worth ratio9.90%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.56%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.13%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$87Peers’ 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 Community 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.