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
Call Report peers
Bayer Heritage in the assets neighbourhood
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Bayer Heritage vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Bayer Heritage sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in West Virginia, City of Clarksburg (#36) ties at 83/100; one place down, Mcdowell County (#38) scores 82/100, 1 point lower.
Quarter path for Bayer Heritage
Bayer Heritage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $786.2M (2025Q4) to $801.1M (2026Q1).
- Net-worth ratio shifted -0.06 pp (9.71% → 9.65%).
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
Bayer Heritage gives up 17 points in total. Delinquency Rate costs the most, 8.1 of its 25; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Bayer Heritage financially healthy?
Bayer Heritage has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,331 of 4,374 nationally on health and #37 of 74 in West Virginia. Its net worth ratio is 9.65% and its delinquency rate 1.42%.
How does Bayer Heritage compare to other credit unions?
Bayer Heritage scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (86.06% vs 83.90%). Its widest shortfall is net worth ratio (9.65% vs 11.18%).
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?
Bayer Heritage is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.