BlastPoint's Credit Union Scorecard
BAYER HERITAGE
Charter #11836 · WV
BAYER HERITAGE has 4 strengths but faces 4 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 31.1% in tier
- + Organic Growth Leader: Top 31.1% in tier
- + Relationship Depth Leader: Top 67.3% in tier
- + Net Interest Margin 0.35% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11.8% in tier
- - Credit Risk Growth: Bottom 42.8% in tier
- - Delinquency rate 0.89% above tier average
- - Total Delinquency Rate (60+ days): Bottom 9.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 1 that size in West Virginia.
- Shares and deposits +3.0% year over year ($722M in shares and deposits).
- Membership: 45,056 members, +1.9% vs a year ago.
- Delinquency rate 1.68%.
- Return on assets 0.81%.
- Efficiency ratio 65.15% vs a 74.54% peer average.
- Loan-to-share ratio 88.14% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,056
+1.9% YoY+0.1% QoQ
|
-7.4K |
52,482
+1.3% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
35% |
| Assets |
$800.7M
+3.5% YoY-0.0% QoQ
|
$-63.2M |
$863.9M
+0.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$636.1M
+4.5% YoY+4.5% QoQ
|
+$28.3M |
$607.8M
+2.1% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
54% |
| Deposits |
$721.6M
+3.0% YoY-0.3% QoQ
|
$-18.3M |
$739.9M
+0.2% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
42% |
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| ROA |
0.8%
+42.7% YoY+32.8% QoQ
|
+0.0% |
0.8%
+30.4% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
50% |
| NIM |
3.9%
+2.8% YoY+1.7% QoQ
|
+0.3% |
3.5%
+6.2% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
65.1%
-5.4% YoY+1.8% QoQ
|
-9.4% |
74.5%
-1.4% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
15% |
| Delinquency Rate |
1.7%
+38.5% YoY+64.7% QoQ
|
+0.9 |
0.8%
+1.0% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.9% in tier |
| Loan To Share |
88.1%
+1.5% YoY+4.8% QoQ
|
+5.5% |
82.6%
+1.9% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
58% |
| AMR |
$30,133
+1.8% YoY+1.8% QoQ
|
+$1K |
$28,702
+0.4% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
65% |
| CD Concentration |
37.7%
+1.7% YoY-1.1% QoQ
|
+13.1% | 24.6% | 16.8% | 20.0% | Top 10.1% in tier |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
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 (<15%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)