BlastPoint's Credit Union Scorecard

BAYPORT

Charter #24979 · VA

Mid-Market 1B-3B

BayPort at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

BayPort is one of 101 credit unions in the 2026 VentureTech card set. We also found BayPort's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

BayPort

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BAYPORT
PEER · AT VENTURETECH
PEER · AT VENTURETECH
BAYPORT'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 8 in VA

View Mid-Market leaderboard →

BAYPORT has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.27% above tier average
+ Net Interest Margin 0.88% above tier average
+ Total Loans: Top 2.3% in tier
+ Total Assets: Top 4.7% in tier
+ Total Deposits: Top 5.3% in tier
+ Total Members: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 29.9% in tier
- Indirect Auto Dependency: Bottom 61.5% in tier
- Member Growth Rate: Bottom 0.1% in tier
- Asset Growth Rate: Bottom 0.1% in tier
- Loan Growth Rate: Bottom 0.1% in tier
- Deposit Growth Rate: Bottom 0.1% in tier
- AMR Growth Rate: Bottom 0.1% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	157,891 +0.4% QoQ	+61.0K	96,861 -1.9% YoY	226,164 +4.4% YoY	34,678 +6.6% YoY	Top 10.0% in tier
Assets	$2.8B -0.4% QoQ	+$1.1B	$1.7B +0.4% YoY	$3.0B +6.1% YoY	$593.1M +10.2% YoY	Top 5.0% in tier
Loans	$2.2B +1.8% QoQ	+$1.0B	$1.2B +0.7% YoY	$2.2B +5.0% YoY	$418.6M +10.1% YoY	Top 2.7% in tier
Deposits	$2.4B -0.2% QoQ	+$918.5M	$1.5B +0.5% YoY	$2.6B +6.5% YoY	$504.8M +10.3% YoY	Top 5.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.1% +133.5% QoQ	+0.3%	0.8% +27.6% YoY	1.1% +69.8% YoY	1.2% +121.4% YoY	76%
NIM	4.3% +2.0% QoQ	+0.9%	3.4% +6.6% YoY	3.9% +0.9% YoY	3.8% +2.3% YoY	Top 6.0% in tier
Efficiency Ratio	65.9% -10.4% QoQ	-7.1%	73.0% -2.7% YoY	79.7% -1.2% YoY	83.0% -5.3% YoY	19%
Delinquency Rate	0.7% +1.8% QoQ	-0.2	0.9% +7.3% YoY	1.5% -1.1% YoY	1.3% +2.6% YoY	52%
Loan To Share	94.0% +2.0% QoQ	+9.3%	84.7% +0.1% YoY	64.2% -3.9% YoY	66.4% -1.4% YoY	74%
AMR	$29,261 +0.4% QoQ	$-314	$29,575 +1.5% YoY	$18,993 +1.8% YoY	$20,028 -0.9% YoY	56%
CD Concentration	25.6% +0.8% QoQ	-3.5%	29.1%	18.0%	20.0%	34%
Indirect Auto %	22.8% -5.6% QoQ	+4.7%	18.1%	9.3%	7.7%	67%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Indirect Auto Dependency

risk

#119 of 193 • Bottom 61.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -

(Tier: 6.52%, National: 3.30%)

Indirect Auto %: 22.80%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -

(Tier: 3.16%, National: 15.67%)

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | New qualifier

Liquidity Strain

risk

#107 of 168 • Bottom 29.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.97%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -

(Tier: 6.76%, National: 78.26%)

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 300 peers in tier

Top Strengths (8 metrics)

Total Loans

balance_sheet

Value: $2.24B

Peer Median: $1.14B

#8 of 300 Top 2.3% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.78B

Peer Median: $1.51B

#15 of 300 Top 4.7% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.38B

Peer Median: $1.30B

#17 of 300 Top 5.3% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.30%

Peer Median: 3.46%

#18 of 300 Top 5.7% in 1B-3B tier

Total Members

engagement

Value: 157,891

Peer Median: 86,516

#30 of 300 Top 9.7% in 1B-3B tier

Fee Income Per Member

profitability

Value: $307.63

Peer Median: $204.73

#39 of 300 Top 12.7% in 1B-3B tier

Efficiency Ratio

profitability

Value: 65.91%

Peer Median: 73.62%

#58 of 300 Top 19.0% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.09%

Peer Median: 0.77%

#73 of 300 Top 24.0% in 1B-3B tier

Top Weaknesses (7 metrics)

300

Member Growth Rate

growth

Value: -

Peer Median: 1.84%