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	6.50
Capitalization Index	5.20
Liquidity Index	3.40
Profitability Index	2.70
Stability Index	5.60

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	17.95%
5-Year Asset Growth	11.88%
5-Year Charge-Offs to Average Loans	0.27%
Charge-Offs to Average Loans	0.68%
Non-Performing Assets to Assets	0.95%
Non-Performing Loans to Capital	11.61%
Non-Performing Loans to Loans	1.36%

Balance Sheet	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
Total Assets	869.11M
Total Deposits	798.11M

Capital and Reserves	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
Capital	66.09M
Leverage Ratio	8.06
Loan Loss Reserves to Loans	0.83%

Liquidity	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	27.80%
Liquidity Ratio	21.26%

Profitability	Bayer Heritage Federal Credit Union New Martinsville, WV	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.74%
Net Income	1.62M
Net Interest Spread	3.33%
Operating Profit to Average Assets	0.97%
Overhead Efficiency Ratio	74.92%
Return on Assets	0.25%
Return on Equity	3.38%