The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 3 points (61 → 58), mostly because the loan quality component weakened by 25 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Virginia

Yes. Baylands Family Credit Union is a federally insured credit union (NCUA charter #68686). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.6% of shares and deposits ($2.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.62%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Baylands Family Credit Union lists 3 offices in 3 cities. Most locations:

• Quinton, VA (1)
• West Point, VA (1)
• Williamsburg, VA (1)

All branch addresses and map

In 2025, Baylands Family Credit Union reported 33 home-loan applications under HMDA (LEI 549300LFCGLCYQ1SAJ07): 24 originated ($2,340,000 total), 1 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Baylands Family Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

68686

RSSD ID

957878

Primary regulator

State + NCUA

Established

1946

Headquarters

Po Box 392, West Point, VA 23181

Employees

30