C
Baylands Family Credit Union, Inc.
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Baylands Family Credit Union, Inc.
West Point, VA
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Rating C
Asset Quality Index 6.40
Capitalization Index 6.00
Liquidity Index 3.90
Profitability Index 3.90
Stability Index 3.10
Company Info Baylands Family Credit Union, Inc.
West Point, VA
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NCUA Charter Number 1276
Phone Number (804) 843-2520
Website www.baylandsfcu.org
Asset Quality Baylands Family Credit Union, Inc.
West Point, VA
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1-Year Asset Growth 1.05%
5-Year Asset Growth 0.99%
5-Year Charge-Offs to Average Loans 0.37%
Charge-Offs to Average Loans 0.47%
Non-Performing Assets to Assets 0.58%
Non-Performing Loans to Capital 7.26%
Non-Performing Loans to Loans 1.16%
Balance Sheet Baylands Family Credit Union, Inc.
West Point, VA
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Total Assets 91.03M
Total Deposits 82.75M
Capital and Reserves Baylands Family Credit Union, Inc.
West Point, VA
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Capital 7.75M
Leverage Ratio 9.30
Loan Loss Reserves to Loans 1.30%
Liquidity Baylands Family Credit Union, Inc.
West Point, VA
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Hot Money Ratio 8.09%
Liquidity Ratio 26.59%
Profitability Baylands Family Credit Union, Inc.
West Point, VA
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5-Year Return on Average Assets 0.21%
Net Income 184.00K
Net Interest Spread 4.01%
Operating Profit to Average Assets 0.73%
Overhead Efficiency Ratio 86.17%
Return on Assets 0.40%
Return on Equity 4.91%