State credit union · WEST POINT, Virginia · NCUA charter #68686
Baylands Family
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $92.6M
- Total assets
- 5,616
- Members
- 8.6%
- Net-worth ratio
Baylands Family - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68686: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Baylands Family - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)89
- Asset quality (delinquency)71
- Earnings (ROA)91
- Member growth44
- Liquidity (loan-to-share)85
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.63% | 30% |
| Delinquency Rate | 1.30% | 25% |
| Return on Assets | 0.41% | 15% |
| Member Growth | -1.34% | 15% |
| Loan-to-Share Ratio | 59.81% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Baylands Family
The five-factor composite scores Baylands Family at 77/100 (Very Good), reflecting a net worth ratio of 8.63% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in WEST POINT, Virginia, reports 5,616 members, $92.6M in total assets, and $49.8M in outstanding loans as of Q4 2025 under charter #68686 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
Deposits deployed into lending sit at a 59.81% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.30% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Return on assets stands at 0.41% on net income of $377K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.34%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Baylands Family financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - Baylands Family's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.63% net worth ratio and 1.30% delinquency rate are the key drivers.
How does Baylands Family compare to other credit unions?
PlainCU's health composite puts Baylands Family at 77/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Baylands Family are 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 8.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Baylands Family offer compared to banks?
Credit unions like Baylands Family are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Baylands Family directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.