BlastPoint's Credit Union Scorecard
BAYPORT
Charter #24979 · VA
BAYPORT has 5 strengths but faces 8 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
- + Net Interest Margin 0.86% above tier average
- + Total Loans: Top 2.0% in tier
- + Total Assets: Top 3.6% in tier
- + Total Deposits: Top 5.2% in tier
- + Total Members: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 30.5% in tier
- - Indirect Auto Dependency: Bottom 59.4% in tier
- - ROA 0.25% below tier average
- - 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 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
157,317
+0.2% QoQ
|
+61.3K |
96,048
-2.7% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
Top 9.5% in tier |
| Assets |
$2.8B
+2.0% QoQ
|
+$1.1B |
$1.7B
+0.4% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
Top 3.9% in tier |
| Loans |
$2.2B
+0.1% QoQ
|
+$985.5M |
$1.2B
+0.2% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Top 2.3% in tier |
| Deposits |
$2.4B
+3.0% QoQ
|
+$920.9M |
$1.5B
+0.5% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Top 5.6% in tier |
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| ROA |
0.5%
-47.7% QoQ
|
-0.3% |
0.7%
+27.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
28% |
| NIM |
4.2%
+3.7% QoQ
|
+0.9% |
3.4%
+6.2% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
Top 6.2% in tier |
| Efficiency Ratio |
73.6%
+8.5% QoQ
|
-1.0% |
74.6%
-3.0% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
44% |
| Delinquency Rate |
0.7%
-15.6% QoQ
|
-0.1 |
0.8%
+6.9% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
92.2%
-2.8% QoQ
|
+9.0% |
83.2%
-0.4% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$29,149
+1.3% QoQ
|
$-503 |
$29,652
+2.3% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
55% |
| CD Concentration |
25.4%
-1.7% QoQ
|
-3.5% | 28.8% | 18.0% | 19.8% | 36% |
| Indirect Auto % |
24.2%
-2.5% QoQ
|
+6.1% | 18.1% | 9.4% | 7.7% | 68% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)