BAYLANDS FAMILY
Charter #68686 · WEST POINT, VA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.32% sits at the 7th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.52% sits at the 93rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 94th percentile but its structural peers at the 77th — 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 | BAYLANDS FAMILY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $95.28M | 94th pct | 77th pct |
| Members | 5,597 | 59th pct | 52th pct |
| Net worth ratio | 9.32% | 13th pct | 7th pct |
| Return on average assets | 0.62% | 44th pct | 48th pct |
| Net interest margin | 3.62% | 47th pct | 38th pct |
| Cost of funds | 0.82% | 44th pct | 46th pct |
| Loan-to-share | 57.56% | 46th pct | 52th pct |
| Delinquency 60+ days | 1.52% | 87th pct | 93th pct |
| Net charge-off ratio | 0.26% | 51th pct | 54th pct |
| Loan growth YoY | -1.90% | 46th pct | 44th pct |
| Share growth YoY | 3.91% | 63th pct | 52th pct |
| Efficiency ratio | 84.46% | 64th pct | 59th pct |
structural peer set hash: b6a442a9ddcf3f57dd8fae526c6a14d5… (reproducible)
Closest structural peers
This is the free public view
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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.