Bayer Heritage Federal Credit Union

New Martinsville, WV

Rating Date

September 2025

Net Capital
Ratio

Leverage
Ratio

Return On
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Total
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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	B
Asset Quality Index	6.70
Capitalization Index	6.50
Liquidity Index	2.30
Profitability Index	6.00
Stability Index	5.50

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	-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	9.75%
Non-Performing Loans to Loans	1.22%

Balance Sheet	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
Total Assets	773.38M
Total Deposits	700.64M

Capital and Reserves	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
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 Compare	Click to Compare	Click to Compare
Hot Money Ratio	20.27%
Liquidity Ratio	11.46%

Profitability	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.60%
Net Income	2.20M
Net Interest Spread	4.30%
Operating Profit to Average Assets	1.60%
Overhead Efficiency Ratio	68.87%
Return on Assets	0.57%
Return on Equity	6.50%