Side-by-side · Q2 2026 data
Bayer Heritage Federal Credit Union vs West Virginia Central Federal Credit Union
Credit union
Bayer Heritage Federal Credit Union
New Martinsvill, West Virginia · $100 million – $1 billion
Credit union
West Virginia Central Federal Credit Union
Parkersburg, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Bayer Heritage Federal Credit Union | West Virginia Central Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 76 (stronger) |
| Capital cushion | 49 | 82 (stronger) |
| Loan quality | 44 | 71 (stronger) |
| Earnings | 53 | 62 (stronger) |
| Funding & liquidity | 72 | 83 (stronger) |
| Problem-loan coverage | 73 | 91 (stronger) |
| Peer percentile | 10th | 68th |
| Total assets | $800.7M | $341.3M |
| Deposits / shares | $721.6M | $295.3M |
| Capital ratio | 9.90% | 13.23% (stronger) |
| Problem loans | 1.68% | 0.87% (stronger) |
| Net charge-offs | 0.60% | 0.14% (stronger) |
| Return on assets | 0.81% | 1.06% (stronger) |
| Loans ÷ deposits | 88.1% | 77.6% (stronger) |
| Uninsured deposits | 6.8% | 4.8% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Virginia Central Federal Credit Union has the higher TellerScore (76 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Bayer Heritage Federal Credit Union leads on 0 and West Virginia Central Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.