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 0.21% above tier average
- + Net Interest Margin 0.79% above tier average
- + Total Loans: Top 2.6% in tier
- + Total Assets: Top 5.3% in tier
- + Total Deposits: Top 7.0% in tier
- + Total Members: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 59.0% in tier
- - Liquidity Strain: Bottom 61.2% 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-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
156,969
+0.0% QoQ
|
+59.5K |
97,431
-2.4% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Top 9.3% in tier |
| Assets |
$2.7B
+0.8% QoQ
|
+$1.0B |
$1.7B
+0.9% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Top 5.6% in tier |
| Loans |
$2.2B
+0.2% QoQ
|
+$963.4M |
$1.2B
+0.5% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Top 3.0% in tier |
| Deposits |
$2.3B
+1.5% QoQ
|
+$858.7M |
$1.5B
+0.9% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Top 7.3% in tier |
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| ROA |
0.9%
-0.2% QoQ
|
+0.2% |
0.7%
+20.9% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
69% |
| NIM |
4.1%
+1.5% QoQ
|
+0.8% |
3.3%
+9.2% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Top 8.3% in tier |
| Efficiency Ratio |
67.8%
-0.9% QoQ
|
-6.2% |
74.1%
-9.5% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.8%
+7.2% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
94.8%
-1.2% QoQ
|
+10.0% |
84.8%
-0.8% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$28,769
+0.8% QoQ
|
$-659 |
$29,428
+2.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
25.8%
-2.4% QoQ
|
-3.2% | 29.0% | 18.3% | 19.8% | 37% |
| Indirect Auto % |
24.8%
-3.2% QoQ
|
+6.5% | 18.3% | 9.6% | 7.8% | 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)