BlastPoint's Credit Union Scorecard
BAYPORT
Charter #24979 · VA
BAYPORT has 6 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 0.27% 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
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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| 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)
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)