BlastPoint's Credit Union Scorecard
BAYER HERITAGE
Charter #11836 · WV
BAYER HERITAGE has 3 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 Leader: Top 24.9% in tier
- + Organic Growth Engine: Top 24.9% in tier
- + Net Interest Margin 0.34% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Delinquency rate 0.34% above tier average
- - Share Certificate Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,014
+2.5% YoY+1.8% QoQ
|
-6.5K |
51,500
+0.7% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
36% |
| Assets |
$801.1M
+4.2% YoY+1.9% QoQ
|
$-64.6M |
$865.6M
+0.9% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$608.5M
+0.1% YoY-0.1% QoQ
|
+$13.3M |
$595.3M
+1.6% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
48% |
| Deposits |
$723.9M
+3.9% YoY+2.3% QoQ
|
$-18.3M |
$742.2M
+0.6% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
43% |
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| ROA |
0.6%
-27.9% YoY-18.6% QoQ
|
-0.1% |
0.8%
+45.0% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
3.8%
+2.5% YoY-0.3% QoQ
|
+0.3% |
3.5%
+6.1% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
69% |
| Efficiency Ratio |
64.0%
-0.8% YoY-2.9% QoQ
|
-11.5% |
75.5%
-3.4% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate |
1.0%
-5.3% YoY-27.8% QoQ
|
+0.3 |
0.7%
-0.1% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
81% |
| Loan To Share |
84.1%
-3.6% YoY-2.3% QoQ
|
+3.5% |
80.6%
+0.7% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
49% |
| AMR |
$29,600
-0.3% YoY-0.6% QoQ
|
+$692 |
$28,908
+0.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
62% |
| CD Concentration |
38.1%
+6.0% YoY-3.2% QoQ
|
+13.9% | 24.3% | 15.9% | 19.8% | Top 9.2% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.0% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (0)
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)