# BAYPORT
NEWPORT NEWS, VA · NCUA charter 24979 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bayport-24979

Who the members are: federal charter, multiple common bond, organized 1928, low-income designated. 157,317 members of 1,750,000 potential (9.0% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 86.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.79B |
| Members | 157,317 (– YoY) |
| Full-time staff | 504 |
| Net worth | $301.2M |
| Net worth ratio | 10.8% (p53 of band) |
| ROA (annualized) | 0.47% (p27 of band) |
| Total delinquency | 0.70% (p59 of band) |
| Net charge-offs (annualized) | 1.05% (p87 of band) |
| Loans / shares | 92% (p70 of band) |
| Cash / assets | 4.4% |
| Borrowings / assets | 3.22% |
| Net interest margin | 4.21% (p95 of band) |
| Operating expense / assets | 3.88% (p82 of band) |
| Vehicles % of loans | 30% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 82% |
| Third-party paper % of net worth | 179% (p63 of band) |
| Vehicle delinquency | 0.90% (p73 of band) |
| Vehicle NCO | 2.59% (p93 of band) |
| Repossessed % of vehicle book | 0.27% (p89 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 97% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 25% |
| Average share balance | $7,254 |
| Participations bought / yr | $5.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $7.4M |
| Loans outstanding per 100 members | 86% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $16,302 |
| Loans granted, annualized | $829.7M |

## Participation posture (from the same filings)

Bought $5.5M and sold $0 in the latest annualized quarter; $7.4M outstanding purchased (2.5% of net worth), $989,456 sold and retained. Sold in 2 and bought in 3 of the last 8 quarters. Shares – year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2025-09 | 2 | loans>95% of shares, 3rd-party paper>100% NW |  |
| 2025-12 | 1 |  | loans>95% of shares |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [HRS: Bayport Credit Union has advice for Financial Self Improvement - wavy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQOWhzVjdEcE1ZSHgwRENYMC1Kc2VNVDJxNUtNUGZXZDFfUExJM1BuQTJQLTMxZURxWWpJRVNweTRVdE9ScE5CRzctbnVPTVpJa3NFNTNzT2hwNVBHQW5zS2FvNGFJejYzSmVvSkpxUE5Ydk5KZUsxTngzZlgyekJpX2ZxNGd1ZTRpYWJkbWs0VWdpMGJiVFJMQWxQdHrSAaIBQVVfeXFMTTVsM0ZlT0VVMHB5ZERjdGw0SWwtd1Z1M0dJV3ptdWlWWkNJS19BaVI1Rlltci1RSmFBTTNzZVFoR0lnZ3Boa3lzVWRFVVJYenZJYlRydGJ3d2M0dnlrcW43bE9peVduT0tCdkV1QTY2SXVSMVFRRk1tQWs3enJqbjMzY0VtOXpSRGRISGJLMi1Xd0hDZk84ekRJNzR0eUVBR0tn?oc=5) · wavy.com
- 2026-09-01 [BayPort Credit Union Donates $25,000 and 100 Pounds of School Supplies to Support Newport News Public Schools - PR Newswire](https://news.google.com/rss/articles/CBMi9wFBVV95cUxPeHlZTVlQTXhlYzVPWExlaU1xeWd6ZTVERkZBalRYRmRDcWRqUFhpSDdQZnlDdzNZVlo3NXNPZURQeGkxd0dBNW95bktadWVIUWo2UkxlTnV4djNjSWp3YmZWSW96S1RVOFVMVGw5SlFwaWFuQWplRzhBSDdCWVVBNFdHXzhfVElvZUNQR09kQzd3dnU3cGp2VUxUUGpCd3pkbU9CaEtOWEJNWDlhUFVkXzEyT1VsNl9ra3ctcmx5bkNDdS1vWk5rQkctUVVXUWk2NUlDOE9IV1FRSEhzeWpHZ0pMRFpXSGRCQVAwQjY2cDVCWWFoa2hF?oc=5) · PR Newswire
- 2026-08-24 [BayPort Opens New Pacific Avenue Branch, Its Sixth Location in Virginia Beach - Eastern Progress](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPSzMxcEhMODdaYUVMNWNSYWVQa2VnSmhvSGFYXzczSEQza2ZETThnajBiZDNySUl1TlZMbUhTUXNuOEpVSkMyb2lFWFplUWdCM3hIU0UwMmxvNk1hd1p2OVJtUXhPejJYcjRLdWxqZ3c4SVN6QWNZS0Y5ZjFFMjNONnYxb0hGLVJSc0ZGRjZ1d2ZvVFotTTZCeWZ2LVZfLW1wOVVkVnNzMlMzZHg5QTZoTXhlWEFjcUFmOVFxRGtpOUEtajc5RklVUmZfdWFfdk04SzgzV0tyc0hWcnhaZUVKR1VYc1RhaFN3YThHQ0I1TQ?oc=5) · Eastern Progress
- 2026-09-04 [BayPort Credit Union Donates School Supplies and $25k to Newport News Schools - wavy.com](https://news.google.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?oc=5) · wavy.com
- 2026-06-30 [BayPort Credit Union Announces New Executive Promotion - Morningstar](https://news.google.com/rss/articles/CBMitgFBVV95cUxQcndWLXJxQTFLT1NoYS1nYTJZckJucmxTdV91MW9LWjhpemdVNnlud1RUeE12dUhoSWF1NlhaSDVWUDdleUxHbk9VOU04LVN5eEYtcFA5bkRGM082bVBpdlpnUGhOeUZrY2pYajJJTUJsZGJLTEFZZkFFM3l1MnozUVdLa24xLW9NTGdKSjZXUDRUTjJIb0lFeHd3OHl6S3JCWGV3OTVrSTF1QmJtMEN3Wm9FUUpVQQ?oc=5) · Morningstar
- 2025-10-31 [BayPort Credit Union renews $25,000 sponsorship for Newport News schools’ family engagement programs - WTKR](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQLVNpbFpHUFBrcnp1dXpwVTg2QmVmdXpBSktVTzBzZ3NScE5PRzlwUEQ4REtFMDVoRWRhQlZTVzlKVTdMTTRDX3pGSHBra2xXMTdNbDNqa1ZuOWlOTVEzbkpfcEEyZktlSFBObm1ZRy1GaUhmZHRVRkxiRnJKQkJKY0RLMkFIZjZ4WjRTeEpXVmxwWXVFVkpSTWRTLWdIZWE3dzJCMnhtTXk2NmdOT3N2THdLUjJ2OTRXNklDZEhXUEVSdw?oc=5) · WTKR
- 2026-08-13 [BayPort Credit Union Named a Top Workplace for Third Consecutive Year, Earns Eight Additional Distinctions - Eastern Progress](https://news.google.com/rss/articles/CBMilgJBVV95cUxPQXJ1ZnRfZUZvUGdXNnR1OTV2XzZsMHRrdnZzY19Ba2E0c1dKam9kb0FuSDM3RmpNZHNOM3NsVW1jVlFLeFdWSWtnTXl1OHAxcTVFamhXbDhpekdxczMyU0pOMGEtR1l4dGZjaUNkRlV3VE5zdVdacmhwMzFSVWJSYXlfdjhrUVQ3RC1oM1F6dWZPbUtrZGJJeC1NdE1ZOGhpUm5NSUVyLVJnR01jU1haU3p6UTB3M1BDVjBoelNlcE0xWV9qcEZzOXJVVVh3TVZXelRVZG1IVG9kOFBSY3JKLTcxcnotZ09aSkFCWUc5MEprcmFIWmRvOGxDWFlFUlhBNDRwSGY5RW0zazc0a3Bjdk5XNVh4UQ?oc=5) · Eastern Progress
- 2025-11-12 [Feel the Holiday Magic at Virginia Beach Boardwalk! - 13newsnow.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxOOWZPVVFNdVRrTVVoQUtJY3NPNjdDc2FNT0NYbWQ3akE5VXVIQ1p3cmEtckNLTlJ0RFNXcHlNRzJhY180eTNDWE14dDlDWTJOazNhSDNzMi1pWkRzX2JvcWtXTUp1cDVEOTluWXVaVzJkcVhja1R5cjRFVmdTTUJTLXJJMTRFTDR3bE5rR3BCWmFSQTV6R3ZvUDhTQWVFNS1FNm9NdlRGWGZVSy1TSTFzTEVHX2kzLTFWbWN1clhzeWlUdFYyNkRZVl82NEJQS2g4bUJjdV96akVBakVxYVdrWW1laGFJMkF2YWRUNnhQejcyTDA?oc=5) · 13newsnow.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24979 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/19.json (key "24979", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24979
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide