Baylands Family
West Point, VA · Charter 68686 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)
NCUA · 3 branches
Q2 2026
$95.0MAssets
$49.1MLoans
$85.5MShares
$9.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 63% of credit unions under $1B in assets in the Richmond, VA area (rank 6 of 16).
- Widest gap: equity / assets trails 81% of credit unions under $1B in assets in the Richmond, VA area (rank 13 of 16).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.86%
Rank 8 of 16
Net Interest Margin
3.74%
Rank 9 of 16
Efficiency Ratio
79.64%
Rank 11 of 16
Equity / Assets
9.62%
Rank 13 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.51% | 0.86% | 1.14% | Beats 50% | 8 / 16 | |
| Return on Equity | 8.93% | 2.74% | 6.89% | 10.47% | Beats 63% | 6 / 16 | |
| Net Interest Margin | 3.74% | 3.59% | 3.78% | 5.26% | Beats 44% | 9 / 16 | |
| Efficiency Ratio | 79.64% | 72.78% | 78.57% | 80.89% | Beats 37% | 11 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.74% | 0.60% | 1.42% | 1.93% | Beats 37% | 11 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.62% | 10.18% | 10.87% | 18.48% | Beats 19% | 13 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.62% | 10.18% | 10.87% | 18.48% | Beats 19% | 13 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 57.45% | 55.40% | 64.78% | 71.88% | 31st pctl | 11 / 16 | |
| Loans / Assets | 51.73% | 48.81% | 51.73% | 64.39% | 50th pctl | 8 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |