Credit union · NCUA insured
BCM FCU
A $42.3M credit union headquartered in Houston, TX, with 4,723 members and 2 branches in Texas. Best rates: CDs 3.30% and savings 1.31% APY.
BCM FCU Carrot Score
78
Carrot Score
Higher than 46% of U.S. banks and credit unions
#70 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About BCM FCU
- Headquarters
- 1 Baylor Plz Ste 59E, Mail Stop BCM 140, Houston, TX 77030-3411
- NCUA charter
- 12892
Branches
2 branches in Texas
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Texas
2 branches
- BaylorMain office1 Baylor Plz Ste 59E, Mail Stop BCM 140, Houston, TX 77030Directions
- Bellaire Office4003 Bellaire Blvd, Suite A, Houston, TX 77025Directions
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 | 12.57% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.51% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.16% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $59 | $59 | — |
- CapitalNet worth ratio12.57%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.51%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.16%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$59Peers’ 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 BCM FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.