Production (Stage)
Bayer Heritage Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.3 has resulted in Weak (2.7) profitability. Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 11.6 percent of nonperforming loans to core capital combined with 11.6 percent from a year earlier contributes to the Good asset quality (6.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (32%), home mtgs (21%), other (47%)
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
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