# BAYLANDS
WEST POINT, VA · NCUA charter 5267 · asset band $50-100M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/baylands-5267

Who the members are: federal charter, community charter, organized 1946. 5,425 members of 183,741 potential (3.0% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $73.9M |
| Members | 5,425 (0.2% YoY) |
| Full-time staff | 31 |
| Net worth | $6.5M |
| Net worth ratio | 8.7% (p23 of band) |
| ROA (annualized) | 0.37% (p45 of band) |
| Total delinquency | 1.54% (p81 of band) |
| Net charge-offs (annualized) | 0.08% (p16 of band) |
| Loans / shares | 75% (p65 of band) |
| Cash / assets | 2.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.08% (p54 of band) |
| Operating expense / assets | 4.09% (p69 of band) |
| Vehicles % of loans | 39% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 53% |
| Third-party paper % of net worth | 162% (p84 of band) |
| Vehicle delinquency | 0.32% (p30 of band) |
| Vehicle NCO | 0.17% (p33 of band) |
| Repossessed % of vehicle book | 0.30% (p92 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 23% |
| Average share balance | $6,236 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $13,087 |
| Loans granted, annualized | $20.6M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, delinquency 2x band |  |
| 2016-06 | 3 | 3rd-party paper>100% NW | losing money |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | repo signal |  |
| 2017-09 | 3 |  | repo signal |

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

- 2023-05-13 [Hometown Radio Interview: Teresa Millis, Baylands Family Credit Union [AUDIO] - wydaily.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxPbk9KQm51QVBielBwNWtwTnhmZDNTT2ROVXRlMVNLOTR3eFl6aW41SkRRYkFpYThxVTFEczdIdE1GYjdFQTFnYldNMWZXUUVtdmMyNXpGc054X1dtV3FWd0FIWWtudkR1NDBVYnBnY2JDYWlSa1RseXR5bklIb3RPMTgxX3plX0F4UXdYcFRaLXdWOG9qX1N0MTNfTnZ2cS1CR1hlM0xOLUI3UmR3VFRxWkpR?oc=5) · wydaily.com
- 2026-05-26 [The Credit Union Impact Foundation announces 2026 grant recipients - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWU1lcXlRT19fLXU3QUM5d0hkWFVHTjFrZkwwZU8yTVdGay02cXUyeGx3MG9qUE8yQUgzSlg1bHAtMExCaDZjYmpQZGVpLWxBY0hfbGJtdklFdGxndUtOSXU4ZXhCdVRfZGdic0VyLVdKYlZGNUxQY2VEa2hQSlZSWVZPMzZaM1RDS05USDEzLUJNSUFicHREWXVTblhHaFE2enlLZzNWaG1hY2c?oc=5) · CUInsight
- 2026-01-20 [Cynthia Foster Creech - View Obituary & Service Information - Vincent Funeral Home - Providence Forge, VA](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5ReWVCZUZPNGtGeXlvMzdJanN2bXE3bEsxTXpOcGx3MTBwMnMzUGpSTHpBUzZnbkVWQkx5aE1jSDhNYTktLXZlR0NIQ1VVeTZqVld6R0VwakdZcEVNbGRXV2U5WkxhSG8?oc=5) · Vincent Funeral Home - Providence Forge, VA
- 2024-05-21 [John Hart Obituary - West Point, VA - dailypress.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE1pM1FlNjhweFRrQ0RKMXhRWEl4eUdLUFBpUDNmdlQtUm95YkpXa2Y1Z2dsYmloRFlUbU5iNnZlY1ZBeEJzV1VneUZBMF84bVI5bTZ5UVNxMk9ldUVpTGc0Y3c1dkYyMmZMV3h2R1psaFp2d05aMWI3a0pNcw?oc=5) · dailypress.com
- 2026-03-17 [The League announces 12 emerging professional network LEADs - CUInsight](https://news.google.com/rss/articles/CBMiogFBVV95cUxOX1JyV0p4d2E4T0dZaEFSRnplQmZnOFN2WTRsR0VDSEF3MWJiUUtoajU1V3V3ZlZ2V3JKc0hJTlRGODlLdUJwVWV6RHRMbVNvQkthWEJtWU5Ba3lBVW9hU0k4UXF6ejk3SzNEQzd3cVNGZ3NNU2lpRXJsSDRMQ0VHS2tJb0k3c01uTUF0bmdyX24xSUp5T0N4ZElwQUJHQlVWZEE?oc=5) · CUInsight
- 2023-12-08 [Edward Carl Tate Obituary (2023) - West Point, VA - Vincent Funeral Home - West Point - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE82Vk1qRmZJbVJOMmNtTGhNekF0dmVfYVBrLXBxdjZaZzFXck1nWlVHbFQ5NnNNZTMwdFNFel9YRFpNRzVWdWwxNVBXYXlKOXJsbEdYQnd1Q3RBVGhnbmFhQnRPNExhbGhLUVFaVlNvRlBVRDhodTFpN21NWk1QWXM?oc=5) · legacy.com
- 2024-06-08 [Daniele Wright Obituary - Gloucester, VA - dailypress.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQaktGZUlRa3FmcUpmZ0hDMVowNzI1M0lCdF9YRXd0RjRIbUFlTzA1Y0t3SXgtbnhrYUJzZjhXMXFRT19faU9aR2hhd0ZzMGREbE5oMzFlcXY5WDNOc3o4M21qU2k5Y3k1VXlaSzE4ZFlCUEVxUnhYX3F4cW13WWZYVw?oc=5) · dailypress.com
- 2009-02-21 [Alexandra Calamia Obituary - Visitation & Funeral Information - Vincent Funeral Home - Providence Forge, VA](https://news.google.com/rss/articles/CBMickFVX3lxTFBJNjVSRzJOY1pVemU4S1llWnZlS0tDeWtjWVljMk12Zk82cGdBc0FXLVRweFdLbTFpZlN5ZnZwc2V5eXhQZU1NZVh1eVFZRkN2bUZ1blRSMi1aZWtFVWM0TUJtcjFXcEYwVFQya2JVSWpEdw?oc=5) · Vincent Funeral Home - Providence Forge, VA

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5267 (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 "5267", 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=5267
- 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