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
- MEM 81/100
- RANK 11.0%
- PHOTO 0.82%
- BOOK 0.00%
- CHARTER $2.74B
- NCUSIF 156,969
- CAMELS #2,616/4,374
- HEALTH Y-12
- NW 24979
Call Report peers
BAYPORT in the assets neighbourhood
BAYPORT's $2.74B assets sit next to Y-12 ($2.73B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
BAYPORT - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24979. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
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%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
BAYPORT's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.74B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is BAYPORT financially healthy?
BAYPORT scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,616 of 4,374; by total assets it ranks #182 of 4,374 nationally (same basis as /rankings/largest); and #9 of 95 within Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.02% net worth ratio and a 0.82% delinquency rate.
How does BAYPORT compare to other credit unions?
81/100 is BAYPORT's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like BAYPORT 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. BAYPORT's net worth ratio of 11.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BAYPORT offer compared to banks?
Credit unions like BAYPORT 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 BAYPORT directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.