Federal credit union · New Martinsvill, West Virginia · NCUA charter #11836
Bayer Heritage
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $786.2M
- Total assets
- 44,213
- Members
- 9.7%
- Net-worth ratio
Bayer Heritage scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $786.2M; members 44,213; net-worth ratio 9.65%; health rank #2,331 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,331 of 4,374 health · 2025Q4Bayer Heritage · health 83/100 · $786.2M · 2025Q4
- ASSETS 83/100
- MEM 9.7%
- RANK 1.42%
- PHOTO 0.29%
- BOOK $786.2M
- CHARTER 44,213
- NCUSIF #2,331/4,374
- CAMELS DIRECT
- HEALTH 11836
Call Report peers
Bayer Heritage in the assets neighbourhood
Bayer Heritage's $786.2M assets sit next to DIRECT ($785.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bayer Heritage vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Bayer Heritage - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #11836, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Bayer Heritage vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 86.06% here, 83.90% peer average (+2.16 pp).
- Net Worth Ratio trails the peer set - 9.65% here, 11.18% peer average (-1.53 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Bayer Heritage sits in West Virginia
- Health composite ranks #37 of 74 among scored West Virginia credit unions.
- Assets rank #1 of 74 inside West Virginia ($786.2M reported).
- West Virginia membership ordinal: #2 of 74.
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Bayer Heritage
Bayer Heritage: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $786.2M (2025Q4) to $801.1M (2026Q1).
- Net-worth ratio shifted -0.06 pp (9.71% → 9.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 16.9 pts
- Return on Assets 11.9 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Bayer Heritage
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.65% | -1.53 pp |
| Delinquency Rate | 1.42% | +0.54 pp |
| Return on Assets | 0.29% | -0.21 pp |
| Member Growth | 0.69% | - |
| Loan-to-Share Ratio | 86.06% | +2.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $801.1M | - |
| 2025Q4 | $786.2M | 44,213 |
| 2024Q4 | $769.2M | 43,911 |
| 2023Q4 | $857.1M | 42,879 |
Credit Union Details
- Charter Number
- 11836
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- West Virginia
- City
- New Martinsvill
- Data Quarter
- 2025Q4
Branch Locations (11)
Per its most recent NCUA branch filing, Bayer Heritage runs 11 offices in 9 different cities across 5 states.
| Office | City |
|---|---|
| Main (Main Office) | New Martinsville, WV |
| Massey Tompkins | Baytown, TX |
| Beckley | Beckley, WV |
| Bushy Park | Goose Creek, SC |
| Goose Creek | Goose Creek, SC |
| Martinsburg | Martinsburg, WV |
| Moundsville | Moundsville, WV |
| New Martinsville | New Martinsville, WV |
| Pittsburgh | Pittsburgh, PA |
| Nexton | Summerville, SC |
| Zanesville | Zanesville, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
A look at other West Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Bayer Heritage's nationwide photo peers by assets and by health score, excluding West Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($786.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Bayer Heritage ranks #2,331 of 4,374 nationally on financial health and #37 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Choice America Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Choice America Community
- Rates and health both vary by institution, not just by state -- see how West Virginia credit unions compare overall before assuming this one is typical. West Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Bayer Heritage financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - Bayer Heritage's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,331 of 4,374; by total assets it ranks #561 of 4,374 nationally (same basis as /rankings/largest); and #1 of 74 within West Virginia. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.65% net worth ratio and 1.42% delinquency rate are the key drivers.
How does Bayer Heritage compare to other credit unions?
On PlainCU's health composite, Bayer Heritage lands at 83/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Bayer Heritage?
Bayer Heritage operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Bayer Heritage directly for the exact boundaries and application steps.
Is my money safe at Bayer Heritage?
Federal credit unions like Bayer Heritage are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Bayer Heritage's net worth ratio of 9.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bayer Heritage offer compared to banks?
Credit unions like Bayer Heritage are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Bayer Heritage directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.