Side-by-side · Q2 2026 data
Fairmont Federal Credit Union vs Bayer Heritage Federal Credit Union
Credit union
Fairmont Federal Credit Union
Fairmont, West Virginia · $100 million – $1 billion
Credit union
Bayer Heritage Federal Credit Union
New Martinsvill, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Fairmont Federal Credit Union | Bayer Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 54 |
| Capital cushion | 50 (stronger) | 49 |
| Loan quality | 77 (stronger) | 44 |
| Earnings | 54 (stronger) | 53 |
| Funding & liquidity | 90 (stronger) | 72 |
| Problem-loan coverage | 91 (stronger) | 73 |
| Peer percentile | 45th | 10th |
| Total assets | $603.1M | $800.7M |
| Deposits / shares | $542.4M | $721.6M |
| Capital ratio | 9.97% (stronger) | 9.90% |
| Problem loans | 0.69% (stronger) | 1.68% |
| Net charge-offs | 0.04% (stronger) | 0.60% |
| Return on assets | 0.86% (stronger) | 0.81% |
| Loans ÷ deposits | 70.4% (stronger) | 88.1% |
| Uninsured deposits | 6.1% (stronger) | 6.8% |
| Offices | 8 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fairmont Federal Credit Union has the higher TellerScore (68 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Fairmont Federal Credit Union leads on 7 and Bayer Heritage Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.