Bayer Heritage Federal Credit Union
Major Rating Factors:
Excellent current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 9.9. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 0.8 has resulted in Good (6.5) profitability.
Other Rating Factors:
A current level of 12.4 percent of nonperforming loans to core capital contributes to the Good asset quality (5.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (34%), home mtgs (26%), comm loans (12%), other (28%)
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