credit union

Bayou

Baton Rouge, LA · Est. 1954
A
Trust Grade
Excellent
Score: 94/100

Bayou is a credit union based in Baton Rouge, Louisiana, established in 1954, with $84 million in total assets serving 7,644 members. By Trust Grade it ranks 56th of 136 credit unions we track in Louisiana. Its net worth ratio of 15.5% is stronger than 58% of similarly sized credit unions, versus a Louisiana median of 14.5%. It was profitable over the most recent period, with a 0.50% return on assets. No consumer complaints against Bayou appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$83.7M
<$100M institution
Members
7,644
Shares & deposits
—
Net worth ratio
15.5%
Top 42% of <$100M peers · Louisiana median 14.5%
Return on assets
0.5%
Bottom 45% of <$100M peers · Louisiana median 0.49%
Rank in Louisiana
#56
of 136 credit unions

How Bayou compares to Louisiana peers

Net worth ratio
Top 42% of <$100M peers
Bayou
15.5%
Louisiana median
14.5%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 45% of <$100M peers
Bayou
0.5%
Louisiana median
0.5%
Higher ROA = more profitable relative to asset base

How we graded Bayou

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
94/100
Customer experience
n/a
Overall
A · 94
  • Strongly capitalized (15.5% capital ratio)
  • Profitable (ROA 0.50%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Bayou over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Bayou insured?

Yes. Bayou is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Bayou: frequently asked questions

Is Bayou a good credit union?

Bayou earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (15.5% capital ratio); Profitable (ROA 0.50%).

Is Bayou NCUA-insured?

Yes. Bayou is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Bayou?

Bayou holds $84 million in total assets, ranking 56th of 136 credit unions we track in Louisiana. It serves 7,644 members.

Does Bayou have CFPB complaints?

No CFPB complaints against Bayou appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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