C
Bayer Heritage Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
8.89
Leverage
Ratio
9.39
Return On
Assets
0.57%
Total
Assets
773.38M
Capital
68.74M
Total
Deposits
700.64M
Net
Income
2.20M
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Weiss Ratings Bayer Heritage Federal Credit Union
New Martinsville, WV 		Click to
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Rating C
Asset Quality Index 6.70
Capitalization Index 6.40
Liquidity Index 2.30
Profitability Index 5.50
Stability Index 5.50
Company Info Bayer Heritage Federal Credit Union
New Martinsville, WV 		Click to
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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
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1-Year Asset Growth -11.31%
5-Year Asset Growth 8.52%
5-Year Charge-Offs to Average Loans 0.34%
Charge-Offs to Average Loans 0.82%
Non-Performing Assets to Assets 0.96%
Non-Performing Loans to Capital 8.83%
Non-Performing Loans to Loans 1.08%
Balance Sheet Bayer Heritage Federal Credit Union
New Martinsville, WV 		Click to
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Total Assets 773.38M
Total Deposits 700.64M
Capital and Reserves Bayer Heritage Federal Credit Union
New Martinsville, WV 		Click to
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Capital 68.74M
Leverage Ratio 9.39
Loan Loss Reserves to Loans 1.18%
Liquidity Bayer Heritage Federal Credit Union
New Martinsville, WV 		Click to
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Hot Money Ratio 19.46%
Liquidity Ratio 11.01%
Profitability Bayer Heritage Federal Credit Union
New Martinsville, WV 		Click to
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5-Year Return on Average Assets 0.60%
Net Income 2.20M
Net Interest Spread 4.30%
Operating Profit to Average Assets 1.60%
Overhead Efficiency Ratio 64.55%
Return on Assets 0.57%
Return on Equity 6.50%