BAYER HERITAGE
Charter #11836 · New Martinsvill, WV · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.65% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.97% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.02% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 64.02% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 34th — a 26-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BAYER HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $801.05M | 69th pct | 43th pct |
| Members | 45,014 | 61th pct | 34th pct |
| Net worth ratio | 9.65% | 34th pct | 23th pct |
| Return on average assets | 0.62% | 49th pct | 38th pct |
| Net interest margin | 3.83% | 74th pct | 59th pct |
| Cost of funds | 1.97% | 80th pct | 77th pct |
| Loan-to-share | 84.07% | 57th pct | 44th pct |
| Delinquency 60+ days | 1.02% | 80th pct | 80th pct |
| Net charge-off ratio | 0.54% | 60th pct | 64th pct |
| Loan growth YoY | -0.87% | 28th pct | 18th pct |
| Share growth YoY | 2.88% | 35th pct | 25th pct |
| Efficiency ratio | 64.02% | 13th pct | 7th pct |
structural peer set hash: ba09f19659f38ae444b5ea203491336d… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.