BlastPoint's Credit Union Scorecard

BAYER HERITAGE

Charter #11836 · WV

Community 750M-1B

112 CUs in 750M-1B nationally 1 in WV

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BAYER HERITAGE has 5 strengths but faces 11 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 24.2% in tier
+ Organic Growth Leader: Top 30.9% in tier
+ ROA 0.14% above tier average
+ Net Interest Margin 0.42% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 0.0% in tier
- Shrinking Wallet Share: Bottom 3.9% in tier
- Capital Constraint: Bottom 10.3% in tier
- Wealth Migration Risk: Bottom 10.9% in tier
- Credit Quality Pressure: Bottom 19.6% in tier
- Credit Risk Growth: Bottom 27.6% in tier
- Delinquency rate 0.64% above tier average
- Deposit Growth Rate: Bottom 0.9% in tier
- Asset Growth Rate: Bottom 1.8% in tier
- AMR Growth Rate: Bottom 2.7% in tier
- Share Certificate Concentration (%): Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	44,213 +0.7% YoY0% QoQ	-7.9K	52,114 -2.1% YoY	5,095 +0.6% YoY	33,089 +6.1% YoY	33%
Assets	$781.4M -10.1% YoY+1.0% QoQ	$-77.6M	$859.0M +0.0% YoY	$68.6M +3.5% YoY	$547.7M +7.8% YoY	18%
Loans	$613.9M +0.8% YoY+0.9% QoQ	+$10.5M	$603.4M +1.0% YoY	$38.2M +0.9% YoY	$388.7M +8.6% YoY	47%
Deposits	$703.6M -11.8% YoY+0.4% QoQ	$-30.6M	$734.2M +0.9% YoY	$58.7M +3.0% YoY	$464.6M +9.3% YoY	36%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +241.6% YoY+48.9% QoQ	+0.1%	0.7% +27.6% YoY	1.0% +49.4% YoY	0.7% +273.4% YoY	64%
NIM	3.8% +47.5% YoY+1.1% QoQ	+0.4%	3.4% +9.6% YoY	3.9% +3.9% YoY	3.7% +5.0% YoY	75%
Efficiency Ratio	65.4% -12.7% YoY-5.1% QoQ	-9.2%	74.5% -3.2% YoY	72.7% -3.2% YoY	79.1% -3.3% YoY	20%
Delinquency Rate	1.5% +7.4% YoY+19.9% QoQ	+0.6	0.8% +5.0% YoY	1.3% -29.4% YoY	1.2% -0.9% YoY	Top 14.3% in tier
Loan To Share	87.3% +14.4% YoY+0.5% QoQ	+4.6%	82.7% +0.1% YoY	60.8% -6.8% YoY	68.0% -1.7% YoY	51%
AMR	$29,799 -7.0% YoY+0.6% QoQ	+$1K	$28,651 +2.5% YoY	$14,844 +2.4% YoY	$19,418 +1.3% YoY	66%
CD Concentration	38.8% -19.9% YoY+4.6% QoQ	+14.4%	24.4% +4.2% YoY	16.2% +7.9% YoY	19.6% +6.2% YoY	Top 9.4% in tier
Indirect Auto %	0.0% -100.0% YoY	-14.0%	14.0% -5.7% YoY	2.3% -13.6% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#445 of 603 • Top 24.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.69%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.85%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth

#408 of 430 • Top 30.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.69%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (6)

Deposit Outflow

decline

#1 of 81 • Bottom 0.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -11.84%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 0.69%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 281 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#40 of 244 • Bottom 3.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -7.00%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 281 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Capital Constraint

risk

#10 of 18 • Bottom 10.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 87.25%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Deposit Growth (YoY): -11.84%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Net Worth Ratio: 9.65%

(Tier: 11.95%, National: 14.51%)

worse than tier avg

18 of 281 Community CUs have this signature | 29 nationally

↓ Shrinking -33 CUs YoY | New qualifier

Wealth Migration Risk

decline

#13 of 28 • Bottom 10.9% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $29.8K

(Tier: $25.0K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -7.00%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

28 of 281 Community CUs have this signature | 39 nationally

↓ Shrinking -32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#485 of 736 • Bottom 19.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Credit Risk Growth

risk

#414 of 446 • Bottom 27.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.83%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 112 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 112 Top 0.0% in 750M-1B tier

Fee Income Per Member

profitability

Value: $290.27

Peer Avg: -

#15 of 112 Top 12.5% in 750M-1B tier

Efficiency Ratio

profitability

Value: 65.37%

Peer Avg: -

#24 of 112 Top 20.5% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 3.80%

Peer Avg: -

#28 of 112 Top 24.1% in 750M-1B tier

Top Weaknesses (8 metrics)

112

Deposit Growth Rate

growth

Value: -11.84%

Peer Avg: -

#112 of 112 Bottom 0.9% in 750M-1B tier

111

Asset Growth Rate

growth

Value: -10.10%

Peer Avg: -

#111 of 112 Bottom 1.8% in 750M-1B tier

110

AMR Growth Rate

growth

Value: -7.00%

Peer Avg: -

#110 of 112 Bottom 2.7% in 750M-1B tier

102

Share Certificate Concentration (%)

balance_sheet

Value: 38.76%

Peer Avg: -

#102 of 112 Bottom 9.8% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.46%

Peer Avg: -

#97 of 112 Bottom 14.3% in 750M-1B tier

Total Assets

balance_sheet

Value: $781.37M

Peer Avg: -

#92 of 112 Bottom 18.8% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.88%

Peer Avg: -

#89 of 112 Bottom 21.4% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 283.417

Peer Avg: -

#85 of 112 Bottom 25.0% in 750M-1B tier