Bayer Heritage Federal Credit Union
Major Rating Factors:
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). Good current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 8.0.
Other Rating Factors:
A current level of 10.3 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Good asset quality (6.0). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Good (5.5) profitability.
Asset Mix:
Consumer loans (33%), home mtgs (21%), securities (2%), other (44%)
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
Charleston, WV
