State credit union · WEST POINT, Virginia · NCUA charter #68686
Baylands Family
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $92.6M
- Total assets
- 5,616
- Members
- 9.3%
- Net-worth ratio
Baylands Family scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $92.6M; members 5,616; net-worth ratio 9.32%; health rank #2,893 of 4,374; healthier than 33rd of scored peers.
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NCUA 5300 Call Report Masthead
#2,893 of 4,374 health · 2025Q4Baylands Family · health 79/100 · $92.6M · 2025Q4
Call Report peers
Baylands Family in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Baylands Family vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Baylands Family sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Baylands Family: Call Report deltas vs peers
- Widest shortfall vs peers is Net Worth Ratio: -4.30 pp (9.32% vs 13.62%).
Baylands Family: in-state Call Report ranks
- In Virginia, health place is #55 of 95 on the same NCUA-ratio sort used nationally.
- Assets rank #49 of 95 inside Virginia ($92.6M reported).
- Virginia membership ordinal: #52 of 95.
- One place up in Virginia, State Department (#54) ties at 79/100; one place down, Jackson River Community (#56) scores 78/100, 1 point lower.
Quarter path for Baylands Family
Baylands Family: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $92.6M (2025Q4) to $95.3M (2026Q1).
- Net-worth ratio shifted -0.11 pp (9.43% → 9.32%).
9.32% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Baylands Family gives up 21 points in total. Member Growth costs the most, 8.4 of its 15; Return on Assets loses the least, 1.4.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 17.7 pts
- Return on Assets 13.6 pts
- Member Growth 6.6 pts
- Loan-to-Share Ratio 12.8 pts
Baylands Family health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.32% | -4.30 pp |
| Delinquency Rate | 1.30% | +0.34 pp |
| Return on Assets | 0.41% | -0.25 pp |
| Member Growth | -1.34% | - |
| Loan-to-Share Ratio | 59.81% | -2.79 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $95.3M | - |
| 2025Q4 | $92.6M | 5,616 |
| 2024Q4 | $89.5M | 5,692 |
| 2023Q4 | $89.8M | 5,782 |
Credit Union Details
- Charter Number
- 68686
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Virginia
- City
- WEST POINT
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Baylands Family, spread across 3 cities.
| Office | City |
|---|---|
| WEST POINT BRANCH (Main Office) | WEST POINT, VA |
| New Kent Branch | Quinton, VA |
| James City-Norge Branch | Williamsburg, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
A look at other Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Baylands Family
Similar total assets
Similar health score
Using this data
- Baylands Family ranks #2,893 of 4,374 nationally on financial health and #55 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Salem Va Medical Center is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Salem Va Medical Center
Frequently Asked Questions
Is Baylands Family financially healthy?
On its 2025Q4 NCUA 5300 filing, Baylands Family scores 79/100 (Very Good), with a 9.32% net worth ratio and 1.30% of loans delinquent. It ranks #2,893 of 4,374 nationally on health and #55 of 95 in Virginia.
How does Baylands Family compare to other credit unions?
Baylands Family scores 79/100, higher than 33% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (9.32% vs 13.62%).
How can I join Baylands Family?
Membership eligibility for Baylands Family depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Baylands Family directly for current membership requirements and application steps.
Is my money safe at Baylands Family?
Baylands Family is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Baylands Family's net worth ratio of 9.32% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.