Bayer Heritage Federal Credit Union
Weiss Ratings
Bayer Heritage Federal Credit Union
New Martinsville, WV
New Martinsville, WV
Low
Bayer Heritage Federal Credit Union
Industry Average
High
Asset Quality Index
7.20
0.00
10.00
Capitalization Index
4.90
0.00
10.00
Liquidity Index
3.70
0.30
9.70
Profitability Index
2.30
0.00
10.00
Stability Index
4.90
0.00
10.00
Asset Quality
Bayer Heritage Federal Credit Union
New Martinsville, WV
New Martinsville, WV
Low
Bayer Heritage Federal Credit Union
Industry Average
High
1-Year Asset Growth
19.08%
< -10.00%
> 20.00%
5-Year Asset Growth
11.88%
< 0.00%
> 20.00%
5-Year Charge-Offs to Average Loans
0.27%
< 0.00%
> 10.00%
Charge-Offs to Average Loans
0.56%
< 0.00%
> 10.00%
Non-Performing Assets to Assets
0.51%
0.00%
> 10.00%
Non-Performing Loans to Capital
6.63%
0.00%
> 20.00%
Non-Performing Loans to Loans
0.74%
0.00%
> 10.00%
Balance Sheet
Bayer Heritage Federal Credit Union
New Martinsville, WV
New Martinsville, WV
Low
Bayer Heritage Federal Credit Union
Industry Average
High
Total Assets
876.04M
< 250.79M
> 1.00B
Total Deposits
807.02M
< 210.31M
> 841.23M
Capital and Reserves
Bayer Heritage Federal Credit Union
New Martinsville, WV
New Martinsville, WV
Low
Bayer Heritage Federal Credit Union
Industry Average
High
Capital
63.60M
< 22.66M
> 90.66M
Leverage Ratio
7.89
0.00
> 30.00
Loan Loss Reserves to Loans
0.61%
0.00%
> 10.00%
Risk-Based Capital Ratio
7.26
< 0.00
> 30.00
Liquidity
Bayer Heritage Federal Credit Union
New Martinsville, WV
New Martinsville, WV
Low
Bayer Heritage Federal Credit Union
Industry Average
High
Hot Money Ratio
21.41%
0.00%
> 30.00%
Liquidity Ratio
22.93%
< 10.00%
> 60.00%
Profitability
Bayer Heritage Federal Credit Union
New Martinsville, WV
New Martinsville, WV
Low
Bayer Heritage Federal Credit Union
Industry Average
High
5-Year Return on Average Assets
0.74%
< 0.00%
> 10.00%
Net Income
695.00K
< 408.06K
> 1.63M
Net Interest Spread
3.10%
< 0.00%
> 10.00%
Operating Profit to Average Assets
0.81%
< 0.00%
> 10.00%
Overhead Efficiency Ratio
77.19%
< 40.00%
> 170.00%
Return on Assets
0.32%
< 0.00%
> 10.00%
Return on Equity
4.39%
< 0.00%
> 10.00%
