Bayou City
Bayou City is a credit union based in Houston, Texas, established in 1980, with $24 million in total assets serving 2,219 members. By Trust Grade it ranks 283rd of 379 credit unions we track in Texas. Its net worth ratio of 10.1% trails most similarly sized credit unions (18th percentile), versus a Texas median of 13.5%. It was profitable over the most recent period, with a 0.23% return on assets. No consumer complaints against Bayou City appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Bayou City compares to Texas peers
How we graded Bayou City
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.1% capital ratio)
- Profitable (ROA 0.23%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Bayou City over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Bayou City insured?
Yes. Bayou City 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 City: frequently asked questions
Is Bayou City a good credit union?
Bayou City earns a Bankzia Trust Grade of B (85/100, "Strong"), based on a financial-strength score of 85/100 (it has no CFPB complaints on record). Well-capitalized (10.1% capital ratio); Profitable (ROA 0.23%).
Is Bayou City NCUA-insured?
Yes. Bayou City 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 City?
Bayou City holds $24 million in total assets, ranking 283rd of 379 credit unions we track in Texas. It serves 2,219 members.
Does Bayou City have CFPB complaints?
No CFPB complaints against Bayou City appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
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.
