Bayer Heritage Federal Credit Union

New Martinsville, WV

Rating Date

May 2024

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	7.20
Capitalization Index	4.90
Liquidity Index	3.70
Profitability Index	2.30
Stability Index	4.90

Company Info	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	255
Phone Number	(304) 455-4029
Website	www.bayerhfcu.com/

Asset Quality	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	19.08%
5-Year Asset Growth	11.88%
5-Year Charge-Offs to Average Loans	0.27%
Charge-Offs to Average Loans	0.56%
Non-Performing Assets to Assets	0.51%
Non-Performing Loans to Capital	6.63%
Non-Performing Loans to Loans	0.74%

Balance Sheet	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
Total Assets	876.04M
Total Deposits	807.02M

Capital and Reserves	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
Capital	63.60M
Leverage Ratio	7.89
Loan Loss Reserves to Loans	0.61%

Liquidity	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	21.41%
Liquidity Ratio	22.93%

Profitability	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.74%
Net Income	695.00K
Net Interest Spread	3.10%
Operating Profit to Average Assets	0.81%
Overhead Efficiency Ratio	77.19%
Return on Assets	0.32%
Return on Equity	4.39%