Bayer Heritage Federal Credit Union

Weiss Ratings	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	6.00
Capitalization Index	5.00
Liquidity Index	3.60
Profitability Index	5.50
Stability Index	5.00

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	22.53%
5-Year Asset Growth	11.88%
5-Year Charge-Offs to Average Loans	0.28%
Charge-Offs to Average Loans	0.31%
Non-Performing Assets to Assets	0.80%
Non-Performing Loans to Capital	10.30%
Non-Performing Loans to Loans	1.13%

Balance Sheet	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
Total Assets	857.12M
Total Deposits	790.73M

Capital and Reserves	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
Capital	63.15M
Leverage Ratio	8.01
Loan Loss Reserves to Loans	0.58%

Liquidity	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	21.18%
Liquidity Ratio	22.70%

Profitability	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.72%
Net Income	5.42M
Net Interest Spread	3.24%
Operating Profit to Average Assets	1.00%
Overhead Efficiency Ratio	76.37%
Return on Assets	0.73%
Return on Equity	9.00%