BlastPoint's Credit Union Scorecard
BAYER HERITAGE
Charter #11836 · WV
BAYER HERITAGE has 5 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does WV stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 74.8% in tier
- + Organic Growth Leader: Top 92.9% in tier
- + ROA 0.01% above tier average
- + Net Interest Margin 0.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 74.6% in tier
- - Delinquency rate 0.53% above tier average
- - Share Certificate Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,213
+0.7% YoY0% QoQ
|
-7.9K |
52,084
-1.6% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$786.2M
+2.2% YoY+0.6% QoQ
|
$-77.7M |
$863.9M
+0.5% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$609.2M
-0.3% YoY-0.8% QoQ
|
+$3.4M |
$605.8M
+1.4% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$707.9M
+1.5% YoY+0.6% QoQ
|
$-29.4M |
$737.3M
+0.1% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
0.8%
+165.9% YoY-11.3% QoQ
|
+0.0% |
0.7%
+39.1% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
3.8%
+34.1% YoY+0.2% QoQ
|
+0.4% |
3.4%
+8.7% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
65.9%
-11.1% YoY+0.9% QoQ
|
-8.4% |
74.3%
-3.6% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
1.4%
+7.2% YoY-2.9% QoQ
|
+0.5 |
0.9%
+3.8% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
86.1%
-1.7% YoY-1.4% QoQ
|
+3.5% |
82.6%
+1.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$29,791
-0.0% YoY-0.0% QoQ
|
+$917 |
$28,873
+2.7% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
39.4%
+6.6% YoY+1.6% QoQ
|
+15.0% | 24.4% | 15.7% | 19.8% | Top 8.1% in tier |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.8% | 13.8% | 2.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)