BAYPORT

Charter #24979 | VA

1B-3B (304 CUs) Mid-Market ($1B-$5B) (380 CUs)

8 1B-3B in VA

10 Mid-Market in VA

BAYPORT has 5 strengths but faces 7 concerns

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
ROA	0.9%	+0.2%	0.7% +13.4% YoY	0.7% +11.3% YoY	0.7% +273.4% YoY	68th in tier
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	28th in tier
Delinquency Rate	0.8%	-0.1	0.8% +6.1% YoY	1.7% +32.7% YoY	1.2% -0.9% YoY	57th in tier
Loan To Share	96.0%	+10.8%	85.2% -0.8% YoY	66.7% -4.2% YoY	68.0% -1.7% YoY	Top 22.4% in tier
AMR	$28,535	$-637	$29,172 +2.8% YoY	$18,613 +1.9% YoY	$19,418 +1.3% YoY	58th in tier
CD Concentration	26.4%	-2.5%	29.0% +0.8% YoY	18.8% +3.1% YoY	19.6% +6.2% YoY	41st in tier
Indirect Auto %	25.6%	+6.8%	18.8% -2.8% YoY	9.7% -0.5% YoY	7.9% -2.9% YoY	68th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Liquidity Strain

risk

#96 of 183 • Bottom 18.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.99%

(Tier: 86.35%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -

(Tier: 6.14%, National: 36.38%)

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#116 of 202 • Bottom 18.7% 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: 5.36%, National: 3.04%)

Indirect Auto %: 25.61%

(Tier: 18.80%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -

(Tier: 3.18%, National: 9.37%)

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 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 304 peers in tier

Top Strengths (7 metrics)

Total Loans

balance_sheet

Value: $2.19B

Peer Avg: $1.23B

#11 of 304 Top 3.3% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.72B

Peer Avg: $1.72B

#19 of 304 Top 5.9% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.28B

Peer Avg: $1.45B

#25 of 304 Top 7.9% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.00%

Peer Avg: 3.26%

#31 of 304 Top 9.9% in 1B-3B tier

Total Members

engagement

Value: 156,892

Peer Avg: 98,678

#32 of 304 Top 10.2% in 1B-3B tier

Fee Income Per Member

profitability

Value: $280.21

Peer Avg: $210.52

#44 of 304 Top 14.1% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.99%

Peer Avg: 85.19%

#68 of 304 Top 22.0% in 1B-3B tier

Top Weaknesses (6 metrics)

304

Member Growth Rate

growth

Value: -

Peer Avg: 2.20%