Federal credit union · NEWPORT NEWS, Virginia · NCUA charter #24979
BAYPORT
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $2.74B
- Total assets
- 156,969
- Members
- 11.0%
- Net-worth ratio
BAYPORT scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.74B; members 156,969; net-worth ratio 11.02%; health rank #2,616 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,616 of 4,374 health · 2025Q4BAYPORT · health 81/100 · $2.74B · 2025Q4
Call Report peers
BAYPORT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BAYPORT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BAYPORT sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for BAYPORT
- Loan-to-Share Ratio leads the peer set - 94.82% here, 83.90% peer average (+10.92 pp).
- Largest lag: Return on Assets at 0.00% vs peer 0.51% (-0.51 pp).
BAYPORT: in-state Call Report ranks
- Health composite ranks #49 of 95 among scored Virginia credit unions.
- Assets rank #9 of 95 inside Virginia ($2.74B reported).
- Member book place in Virginia: #8 of 95.
- One place up in Virginia, Northern Star Credit Union, Inc. (#48) ties at 81/100; one place down, ABNB (#50) ties at 81/100.
How BAYPORT's 5300 filing moved
- Assets moved +2.0% from $2.74B (2025Q4) to $2.79B (2026Q1).
- Net-worth ratio shifted +0.00 pp (11.02% → 11.02%).
This credit union's 11.02% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
BAYPORT gives up 19 points in total. Return on Assets costs the most, 12.4 of its 17.6; Net Worth Ratio scores full marks.
- Net Worth Ratio 35.3 pts
- Delinquency Rate 25.6 pts
- Return on Assets 5.3 pts
- Loan-to-Share Ratio 14.8 pts
BAYPORT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.02% | -0.16 pp |
| Delinquency Rate | 0.82% | -0.05 pp |
| Return on Assets | 0.00% | -0.51 pp |
| Member Growth | N/A | - |
| Loan-to-Share Ratio | 94.82% | +10.92 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
BAYPORT quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.79B | - |
| 2025Q4 | $2.74B | 156,969 |
Credit Union Details
- Charter Number
- 24979
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Virginia
- City
- NEWPORT NEWS
- Data Quarter
- 2025Q4
Branch Locations (31)
The NCUA branch filing lists 31 physical offices for BAYPORT, spread across 13 cities.
| Office | City |
|---|---|
| Corporate Center (Main Office) | Newport News, VA |
| Chesapeake Branch | Chesapeake, VA |
| Battlefield Branch | Chesapeake, VA |
| Cedar Road Branch | Chesapeake, VA |
| Gloucester Courthouse Branch | Gloucester, VA |
| Hampton Branch | Hampton, VA |
| Fox Hill Branch | Hampton, VA |
| Big Bethel Branch | Hampton, VA |
| Hampton City Branch | Hampton, VA |
| Gloucester Point Branch | Hayes, VA |
| 37th Street Branch | Newport News, VA |
| BayPort Way Branch | Newport News, VA |
| Denbigh Branch | Newport News, VA |
| Hidenwood Branch | Newport News, VA |
| Newmarket Branch | Newport News, VA |
| Harpersville Branch | Newport News, VA |
| Piggly Wiggly Branch | Newport News, VA |
| Norfolk Post Office Branch | Norfolk, VA |
| Granby Street Branch | Norfolk, VA |
| Portsmouth Branch | Portsmouth, VA |
| Highland Springs Branch | Richmond, VA |
| Smithfield Branch | Smithfield, VA |
| Suffolk Branch | Suffolk, VA |
| North Suffolk Branch | Suffolk, VA |
| Holland Road Branch | Virginia Beach, VA |
| Providence Square Branch | Virginia Beach, VA |
| Pembroke Meadows Branch | Virginia Beach, VA |
| Lynnhaven Parkway Branch | Virginia Beach, VA |
| Little Neck Branch | Virginia Beach, VA |
| Williamsburg Branch | Williamsburg, VA |
| Grafton Branch | Yorktown, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
Other-state peers near BAYPORT
Using this data
- BAYPORT ranks #2,616 of 4,374 nationally on financial health and #49 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- State Department is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with State Department
Frequently Asked Questions
Is BAYPORT financially healthy?
BAYPORT has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,616 of 4,374 nationally on health and #49 of 95 in Virginia. Its net worth ratio is 11.02% and its delinquency rate 0.82%.
How does BAYPORT compare to other credit unions?
BAYPORT scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (94.82% vs 83.90%). Its widest shortfall is return on assets (0.00% vs 0.51%).
How can I join BAYPORT?
BAYPORT operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact BAYPORT directly for the exact boundaries and application steps.
Is my money safe at BAYPORT?
BAYPORT is a federal 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. BAYPORT's net worth ratio of 11.02% 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.