Bayport Federal Credit Union Newport News, Virginia
Bayport Federal Credit Union is a federal credit union headquartered in Newport News, VA, established in 1928 (NCUA charter 24979), and it is regulated and insured by the NCUA. At Q2 2026 it reported 157,891 members and total assets of $2.78B, the 9th largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 11.33% at Q2 2026, in the well capitalized band.
Also written as Bayport FCU · Trade name filed with the NCUA: BayPort Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24979
- Headquarters
- Newport News, VA
- Established
- 1928
- Total assets, Q2 2026
- $2.78B
- Members, Q2 2026
- 157,891
- Net worth ratio, Q2 2026
- 11.33%
- Latest call report
- Q2 2026, NCUA 5300 · Bayport Federal Credit Union call report
- Asset rank in state
- 9th of 94 in Virginia
- Routing number
- 251481368
- Branches
- 32
1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.02B of $2.24B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.71% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.33% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Virginia
Credit unions merged into Bayport Federal Credit Union
Norfolk Virginia Postal Credit Union (2016) · Chesapeake Public Schools Credit Union (2015) · Hampton City Employees Credit Union (2015) · Hampton Roads Postal Credit Union, Inc. (2014) · Chesapeake City Employees Credit Union (2014)
Frequently asked about Bayport Federal Credit Union
How big is Bayport Federal Credit Union?
At Q2 2026 it reported total assets of $2.78B and 157,891 members.
Where is Bayport Federal Credit Union headquartered?
It is headquartered in Newport News, VA, United States.
When was Bayport Federal Credit Union founded?
It was established in 1928, per NCUA records.
Is Bayport Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24979): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Bayport Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Bayport Federal Credit Union well capitalized?
Its net worth ratio was 11.33% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Bayport Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.71% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Bayport Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 93.97% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Newport News, VA 23606
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1928
- NCUA Charter #
- 24979
- RSSD ID
- 13390
- Members
- 157,891
- Potential members
- 1,750,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.33% | 10.89% | 56th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.72% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 15.24% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.38% | 3.45% | over 90th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 59.95% | 70.59% | 82nd top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.53% | 1.68% | 62nd above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.71% | 0.68% | 48th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.92% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 93.97% | 88.03% | 71st position only |
Quarterly trends
Last 4 quarters of 5300 filings. How these charts are built
$2.78B total assets; $2.38B total shares and deposits; $2.24B total loans.
$313.1M net worth.
11.33% net worth ratio.
93.97% loan-to-share ratio.
0.71% delinquency ratio.
1.72% return on assets; 15.24% return on equity.
4.38% net interest margin.
157,891 members.
Quarterly trend: last 4 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.33% | 1.72% | 0.71% | 93.97% |
| March 31, 2026 | 11.02% | 0.47% | 0.70% | 92.16% |
| December 31, 2025 | 11.02% | 0.89% | 0.82% | 94.82% |
| September 30, 2025 | 10.91% | — | 0.77% | 95.99% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.