BlastPoint's Credit Union Scorecard
BAYPORT
Charter #24979 · VA
BAYPORT has 5 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Net Interest Margin 0.74% above tier average
- + Total Loans: Top 3.3% in tier
- + Total Assets: Top 5.9% in tier
- + Total Deposits: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 18.1% in tier
- - Indirect Auto Dependency: Bottom 18.7% in tier
- - Member Growth Rate: Bottom 0.0% in tier
- - Asset Growth Rate: Bottom 0.0% in tier
- - Loan Growth Rate: Bottom 0.0% in tier
- - Deposit Growth Rate: Bottom 0.0% in tier
- - AMR Growth Rate: Bottom 0.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members | 156,892 | +58.2K |
98,678
-1.9% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 10.5% in tier |
| Assets | $2.7B | +$996.4M |
$1.7B
+0.5% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Top 6.2% in tier |
| Loans | $2.2B | +$959.6M |
$1.2B
+0.5% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 3.6% in tier |
| Deposits | $2.3B | +$829.9M |
$1.5B
+1.3% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 8.2% in tier |
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| ROA | 0.9% | +0.2% |
0.7%
+13.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM | 4.0% | +0.7% |
3.3%
+9.3% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
Top 10.2% in tier |
| Efficiency Ratio | 68.4% | -5.6% |
74.0%
-10.9% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
28% |
| Delinquency Rate | 0.8% | -0.1 |
0.8%
+6.1% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
57% |
| Loan To Share | 96.0% | +10.8% |
85.2%
-0.8% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
78% |
| AMR | $28,535 | $-637 |
$29,172
+2.8% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
58% |
| CD Concentration | 26.4% | -2.5% |
29.0%
+0.7% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
41% |
| Indirect Auto % | 25.6% | +6.8% |
18.8%
-3.0% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
68% |
Signature Analysis
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)