BlastPoint's Credit Union Scorecard
BAYLANDS FAMILY
Charter #68686 · VA
BAYLANDS FAMILY has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 1.6% in tier
- + Total Assets: Top 2.9% in tier
- + Total Loans: Top 5.6% in tier
- + Fee Income Per Member: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 4.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,616
-1.3% YoY-0.6% QoQ
|
+3.0K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Top 10.8% in tier |
| Assets |
$92.6M
+3.4% YoY+1.3% QoQ
|
+$62.4M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Top 2.9% in tier |
| Loans |
$49.8M
+3.9% YoY-1.3% QoQ
|
+$34.1M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Top 5.7% in tier |
| Deposits |
$83.3M
+1.8% YoY+0.6% QoQ
|
+$57.6M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Top 1.6% in tier |
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| ROA |
0.6%
+45.0% YoY+13.3% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
3.5%
+15.6% YoY+1.4% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
80.8%
-5.1% YoY-1.6% QoQ
|
-1.8% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
1.3%
-9.7% YoY+6.2% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
59.8%
+2.0% YoY-1.9% QoQ
|
-0.8% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$23,710
+3.9% YoY+0.5% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 10.7% in tier |
| CD Concentration |
16.7%
-3.4% YoY+0.4% QoQ
|
-7.7% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
28.5%
+18.2% YoY+1.0% QoQ
|
+14.7% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)