BAYPORT
Charter #24979 · NEWPORT NEWS, VA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.26% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 58th percentile but its structural peers at the 41st — a 17-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BAYPORT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.79B | 62th pct | 56th pct |
| Members | 157,317 | 62th pct | 56th pct |
| Net worth ratio | 11.02% | 56th pct | 61th pct |
| Return on average assets | 0.47% | 27th pct | 34th pct |
| Net interest margin | 4.26% | 94th pct | 82th pct |
| Cost of funds | 1.77% | 49th pct | 51th pct |
| Loan-to-share | 92.16% | 70th pct | 72th pct |
| Delinquency 60+ days | 0.70% | 58th pct | 41th pct |
| Net charge-off ratio | 1.05% | 86th pct | 70th pct |
| Loan growth YoY | 0.30% | 31th pct | 28th pct |
| Share growth YoY | 4.47% | 57th pct | 61th pct |
| Efficiency ratio | 73.59% | 53th pct | 54th pct |
structural peer set hash: 6d0fff6295c8d7a84293fc414aa5e8c7… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.