Federal credit union · NEWPORT NEWS, Virginia · NCUA charter #24979
Bayport
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $2.74B
- Total assets
- 156,969
- Members
- 6.9%
- Net-worth ratio
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.
Bayport - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)71
- Asset quality (delinquency)87
- Earnings (ROA)30
- Member growth-
- Liquidity (loan-to-share)86
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 6.85% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.85% | 30% |
| Delinquency Rate | 0.82% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | N/A | 15% |
| Loan-to-Share Ratio | 94.82% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
What This Data Says About Bayport
Bayport is a federal credit union headquartered in NEWPORT NEWS, Virginia, serving 156,969 members with $2.74B in total assets and $2.20B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 71/100 (Very Good), anchored by a net worth ratio of 6.85% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #24979 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
0.82% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 94.82% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.00% on net income of $0 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.
All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other/Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
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 Bayport financially healthy?
Bayport scores 71/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 6.85% net worth ratio and a 0.82% delinquency rate.
How does Bayport compare to other credit unions?
71/100 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 6.85% is relative to 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.
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.