Bayer Heritage Federal Credit Union
Major Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 9.7. A current level of 7.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 0.6 has resulted in Fair (3.7) profitability.
Asset Mix:
Consumer loans (33%), home mtgs (25%), comm loans (10%), other (31%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
788 N State Route 2
New Martinsville, WV 26155
New Martinsville, WV 26155
Phone Number
(304) 455-4029
NCUA Charter Number
Website
Largest Competitors
Fairmont, WV
Parkersburg, WV
Charleston, WV
Middlebourne, WV