Bayer Heritage Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 7.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.6 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (7.2). Fair liquidity 3.7, driven by a liquidity ratio of 22.9 percent and a “hot money” ratio of 21.4 percent.
Asset Mix:
Consumer loans (32%), home mtgs (21%), securities (2%), other (46%)
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
Charleston, WV
