West Point, VA · State Credit Union · Chartered in VA
Who can join
State government employees (special charter)
Members
5,597
Net Worth Ratio
9.32%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$95.3M
Total Shares
$86.0M
Total Loans
$49.5M
Net Income
$145K
Net Worth Ratio
9.32%
≥7% = Well Capitalized
Members
5,597
Return on Assets
0.15%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.48%
$239K
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 41 | 27 | 5 | 65.8% | 12.2% |
| 2022 | 38 | 25 | 2 | 65.8% | 5.3% |
| 2021 | 70 | 42 | 9 | 60.0% | 12.9% |
No CFPB complaint data available for this credit union.
WEST POINT BRANCH
2004 MAIN STREET, WEST POINT, VA, 23181
LOBBY M T TH F 8 - 5 W 9 - 5 DRIVE THRU M T 8-5 W 9-5 TH F 7:30 - 5:30 SAT 9- 12
James City-Norge Branch
7031 Richmond Rd, Williamsburg, VA, 23188-7214
Monday - Friday 9am to 5pm on Fridays the Drive up is opened until 6pm Saturday Drive up 9am to 12pm
New Kent Branch
2111 Pocahontas Trl, Quinton, VA, 23141-1634
8 am to 5 pm Mon - Fri except for Wed 10am to 5 pm
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<a href="https://bankscorer.com/credit-union/baylands-family" target="_blank" rel="noopener">View BAYLANDS FAMILY on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 57.6%· healthy range 60–80%