Bayer Heritage
New Martinsvill, WV · Charter 11836 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 11 branches
Q2 2026
$800.7MAssets
$636.1MLoans
$721.6MShares
$79.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 82% of credit unions under $1B in assets (rank 299 of 1682).
- Widest gap: nonperforming loans / loans trails 82% of credit unions under $1B in assets (rank 1386 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.81%
Rank 769 of 1,683
Net Interest Margin
3.86%
Rank 803 of 1,683
Efficiency Ratio
65.15%
Rank 299 of 1,682
Equity / Assets
9.90%
Rank 1,364 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.35% | 0.74% | 1.18% | Beats 54% | 769 / 1,683 | |
| Return on Equity | 8.21% | 2.67% | 5.89% | 8.74% | Beats 71% | 486 / 1,681 | |
| Net Interest Margin | 3.86% | 3.31% | 3.82% | 4.32% | Beats 52% | 803 / 1,683 | |
| Efficiency Ratio | 65.15% | 68.91% | 78.20% | 86.93% | Beats 82% | 299 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.68% | 0.26% | 0.65% | 1.29% | Beats 18% | 1,386 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.90% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,364 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.90% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,364 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 88.14% | 52.61% | 69.38% | 83.50% | 83rd pctl | 280 / 1,683 | |
| Loans / Assets | 79.43% | 44.71% | 59.18% | 70.72% | 91st pctl | 149 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |