BAYLANDS FAMILY
State-Chartered • WEST POINT, Virginia • Est. 1946
Quick Facts
- Charter Number
- #68686
- Type
- State-Chartered
- Established
- 1946
- Headquarters
- WEST POINT, Virginia 23181
- Address
- PO BOX 392
- Branches
- 3
- ATMs
- 3
- Members
- 5,616
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
5,616 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | BAYLANDS FAMILY |
|---|---|
| Total Assets | $92.6M |
| Members | 5,616 |
| Loans Outstanding | $49.8M |
| Shares & Deposits | $83.3M |
| Net Worth | $8.7M |
| Net Worth Ratio | 9.43% |
| Loan-to-Share Ratio | 59.8% |
| Delinquency Rate | 1.30% |
| Net Income | +$816,779 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 3 ATMs
James City-Norge Branch
7031 Richmond Rd
Williamsburg, VA 23188-7214
WEST POINT BRANCH
Main Office2004 MAIN STREET
WEST POINT, VA 23181
New Kent Branch
2111 Pocahontas Trl
Quinton, VA 23141-1634
Who Can Join BAYLANDS FAMILY?
Membership Type: Community
Membership eligibility for BAYLANDS FAMILY may vary. Contact the credit union directly to confirm qualification requirements.
Contact BAYLANDS FAMILY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Virginia RankingsFrequently Asked Questions
Yes. BAYLANDS FAMILY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, BAYLANDS FAMILY has 5,616 members and a potential membership field of 539,164 people.
BAYLANDS FAMILY's net worth ratio is 9.43% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.4%, BAYLANDS FAMILY meets this threshold.
BAYLANDS FAMILY operates 3 branch locations and has access to 3 ATMs. The main office is located at 2004 MAIN STREET, WEST POINT, VA 23181.
BAYLANDS FAMILY was established in 1946. It is a state-chartered credit union chartered under charter number 68686. The institution has been serving members for 80 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or BAYLANDS FAMILY. All financial data is for informational purposes only.