# BAYCEL
BAY CITY, TX · NCUA charter 15563 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/baycel-15563

Who the members are: federal charter, community charter, organized 1963, low-income designated. 5,495 members of 25,000 potential (22.0% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $90.4M |
| Members | 5,495 (0.8% YoY) |
| Full-time staff | 11 |
| Net worth | $19.5M |
| Net worth ratio | 21.6% (p93 of band) |
| ROA (annualized) | 2.35% (p98 of band) |
| Total delinquency | 0.77% (p59 of band) |
| Net charge-offs (annualized) | 0.56% (p75 of band) |
| Loans / shares | 51% (p32 of band) |
| Cash / assets | 57.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.05% (p71 of band) |
| Operating expense / assets | 2.15% (p8 of band) |
| Vehicles % of loans | 62% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.88% (p66 of band) |
| Vehicle NCO | 0.33% (p57 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 15% |
| Average share balance | $7,084 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $12,822 |
| Loans granted, annualized | $11.8M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 2 | delinquency rising | net worth falling |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 0 |  | delinquency 2x band |
| 2017-12 | 1 | delinquency 2x band |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | net worth falling |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 2 | net worth falling | delinquency 2x band |
| 2021-09 | 3 | delinquency 2x band |  |
| 2021-12 | 2 |  | delinquency 2x band |
| 2022-03 | 2 |  |  |
| 2022-06 | 0 |  | margin squeeze, net worth falling |
| 2022-09 | 1 | delinquency 2x band |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency 2x band, delinquency rising |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | delinquency 2x band |  |
| 2024-12 | 1 |  | delinquency 2x band |
| 2025-03 | 1 | delinquency 2x band | delinquency rising |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2025-12 | 1 | auto monoline |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-16 [Austin Tyler Ross Obituary Nov 16, 2025 - Taylor Bros. Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTE51N19GNFFtV0lONmp2Y2hySC1sZ0N5ZnU5WUVZMF9hMzNMVVpLci1CSzNmNVZwUF95SlhWcXZCVTZCM3JPbUNWV21jeUU2V3YtNHQ3ZDNiUEh0bTdkemc?oc=5) · Taylor Bros. Funeral Home
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Texas - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcjBZanBlODQ3dWF6andRNFV2bi1qUU5UV3lGVXpKNU5iVFQ1S0dvbzRLQlJIQzJ4S3Rsa0pNMjJsbTBkNG1ZR1Y1S2JOOVVlckdsaTlCY1dsR0I3WDQyalF0VllMTm5WdFNxTGlmbkFyNHA3WlduNUl5elFrR2l0Z2JPb1ZuQmJnSkNR?oc=5) · Newsweek Rankings
- 2026-01-13 [James Joseph Starks Obituary Nov 20, 2024 - Taylor Bros. Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9vRHFpdmhBc0pRYTctcXE2U0EtazlIZnp4X0JFaTFBbzNuc1RUTGJlX0pQd2VtcE9oeE05emdfYkM4RmIwYWsweGotd1I4UjQ1ZjQyOXFsTkFndWR2ZFY0?oc=5) · Taylor Bros. Funeral Home
- 2019-08-08 [Chris Wayne Simon Obituary Aug 8, 2019 - Taylor Bros. Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5SaV9lZnktQTJnZElVX3dZMk05OUZTMXRmQ0dPQzRCOVdzQ193X2l5QlI4YXdVdzBWLUpwZk0wS3NPM1ExUWY3Vmg1eWpPM0I2VGxyRnAyZFgtMXd3dmc?oc=5) · Taylor Bros. Funeral Home
- 2021-02-18 [Roland Lee Lehmann Obituary Feb 18, 2021 - Taylor Bros. Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE00QlNvejJPVDE0VzlWSXk5TkJ0NVJ1M1YwclhiZFY1V0JQS3lNdnQtTU5PbDJfQXpYYkdoQm1kcUdfeDhXN21nc2J1SFU1V29QcGY0U3pXZDZwRGtMLWxPa0hB?oc=5) · Taylor Bros. Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15563 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/11.json (key "15563", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=15563
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide