Baylands Family Credit Union
Total assets
$95.3M
▲ +3.2% YoY
Shares & deposits
$86.0M
▲ +1.9% YoY
Loans
$49.5M
▲ +3.3% YoY
Members
5,597
▼ -1.4% YoY
ROA (annualized)
0.61%
peers 0.60%
ROE (annualized)
6.52%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.3 pts |
| Loan growth (YoY) | +3.3% | -2.4% | +5.7 pts |
| ROA | 0.61% | 0.60% | +0.0 pts |
| ROE | 6.5% | 4.1% | +2.4 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
Profile
- Established
- 1946
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- Po Box 392, West Point, VA, 23181
- NCUA charter #
- 68686
- RSSD ID
- 957878
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $95.3M | $86.0M | $49.5M | $8.9M | $145K | 0.61% | 3.57% | 1.52% | 5,597 |
| Q4 2025 | $92.6M | $83.3M | $49.8M | $8.7M | $563K | 0.61% | 3.51% | 1.30% | 5,616 |
| Q3 2025 | $91.4M | $82.8M | $50.5M | $8.6M | $369K | 0.54% | 3.48% | 1.23% | 5,652 |
| Q2 2025 | $91.0M | $82.7M | $50.3M | $8.5M | $184K | 0.40% | 3.39% | 1.00% | 5,681 |
| Q1 2025 | $92.4M | $84.4M | $47.9M | $8.4M | $71K | 0.31% | 3.18% | 1.16% | 5,678 |
| Q4 2024 | $89.5M | $81.9M | $48.0M | $8.3M | $377K | 0.42% | 3.05% | 1.44% | 5,692 |
| Q3 2024 | $89.2M | $82.2M | $48.4M | $8.2M | $182K | 0.27% | 2.97% | 1.69% | 5,734 |
| Q2 2024 | $90.1M | $83.8M | $48.3M | $8.1M | $112K | 0.25% | 2.89% | 1.35% | 5,785 |
Loan mix (Q1 2026): real estate $17.6M · commercial $0 · consumer $27.3M · securities $29.9M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.83% | 39th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 81.5% | 57th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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