# BAYLANDS FAMILY
WEST POINT, VA · NCUA charter 68686 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/baylands-family-68686

Who the members are: state charter, organized 1946. 5,597 members of 539,164 potential (1.0% of the field); checking penetration 69% (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 | $95.3M |
| Members | 5,597 (-1.4% YoY) |
| Full-time staff | 27 |
| Net worth | $8.9M |
| Net worth ratio | 9.3% (p14 of band) |
| ROA (annualized) | 0.61% (p44 of band) |
| Total delinquency | 1.52% (p87 of band) |
| Net charge-offs (annualized) | 0.26% (p51 of band) |
| Loans / shares | 58% (p46 of band) |
| Cash / assets | 7.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.57% (p45 of band) |
| Operating expense / assets | 3.98% (p65 of band) |
| Vehicles % of loans | 44% (p55 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 63% |
| Third-party paper % of net worth | 156% (p91 of band) |
| Vehicle delinquency | 0.64% (p55 of band) |
| Vehicle NCO | 0.84% (p78 of band) |
| Repossessed % of vehicle book | 0.10% (p84 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 16% |
| Average share balance | $7,560 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $12,528 |
| Loans granted, annualized | $15.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2017-12 | 3 | thin capital, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2018-03 | 2 |  | delinquency 2x band |
| 2018-06 | 4 | net worth falling, delinquency 2x band |  |
| 2018-09 | 2 |  | thin capital, net worth falling |
| 2018-12 | 1 |  | delinquency 2x band |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency 2x band |  |
| 2019-09 | 4 | thin capital, net worth falling |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 7 | losing money, margin squeeze, loan book shrinking |  |
| 2020-06 | 7 |  |  |
| 2020-09 | 7 | charge-offs p90 | net worth falling |
| 2020-12 | 5 |  | loan book shrinking, charge-offs p90 |
| 2021-03 | 4 | net worth falling | losing money, margin squeeze |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | net worth falling |
| 2022-03 | 2 |  | 3rd-party paper>100% NW |
| 2022-06 | 3 | assets shrinking |  |
| 2022-09 | 4 | 3rd-party paper>100% NW |  |
| 2022-12 | 3 | repo signal | delinquency 2x band, 3rd-party paper>100% NW |
| 2023-03 | 4 | 3rd-party paper>100% NW |  |
| 2023-06 | 5 | delinquency 2x band, delinquency rising | repo signal |
| 2023-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 3 |  | assets shrinking |
| 2024-06 | 2 | delinquency 2x band | thin capital, delinquency rising |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | delinquency 2x band |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | net worth falling, delinquency 2x band |  |

## 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
- 2026-01-20 [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
- 2025-08-07 [James City County Harvest Festival at Chickahominy Riverfront Park – September 19, 2026 - Williamsburg Families](https://news.google.com/rss/articles/CBMifkFVX3lxTE9SUlh5dVpGQjQ5LTNGOUJJT3d5Mmx5cmhhRDZYNFQxbmN1dV9MUnBSYlV0eF8zeVV6ckw1bWlrQUkydk1WZmNUWVB2VWtJb3VxaV9xQzF4a2VGcVRqUGJMRGJna1lqcVB3cnpPQVhGT1kteHZsU0dLWm1mZ05WUQ?oc=5) · Williamsburg Families
- 2021-09-18 [Jesse Mathias Obituary (2021) - Williamsburg, VA - Virginia Gazette - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOTkExWEdVM05WUGJOdWpfU1pyeHZuUXVrVjQtUE91cVk5b1BjQ2dZOXhJZklTd1BWSTZlQ2xPcnhQOF9TUS1LZ2NSaUVTRmdSVXhMb1h6VUlPUk92MFd5cmd0ZjRGa09BdDd2NEJtWkNqRUJadDBvLUhONno4QlNzTmJVVXJkSER0MTA0S3FpZw?oc=5) · legacy.com
- 2023-09-02 [Grace Carlton Lawson - View Obituary & Service Information - Vincent Funeral Home - Providence Forge, VA](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBKNzlBZWZ6a2xxRjFWa1hqNFV4UG1vUUNSQzVJTWNKVlBsazJPaFN1clhmeGhCTVZQbFBVanZKTjJ2cVBfVnhFQUJEZVFXRTFDYWEyX0hxeTRyX0VhOTRROUtB?oc=5) · Vincent Funeral Home - Providence Forge, VA

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68686 (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/14.json (key "68686", 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=68686
- 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.

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