Side-by-side · Q2 2026 data
Star USA Federal Credit Union vs Bayer Heritage Federal Credit Union
Credit union
Star USA Federal Credit Union
Charleston, 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 | Star USA Federal Credit Union | Bayer Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 54 |
| Capital cushion | 56 (stronger) | 49 |
| Loan quality | 67 (stronger) | 44 |
| Earnings | 48 | 53 (stronger) |
| Funding & liquidity | 78 (stronger) | 72 |
| Problem-loan coverage | 70 | 73 (stronger) |
| Peer percentile | 26th | 10th |
| Total assets | $153.0M | $800.7M |
| Deposits / shares | $129.0M | $721.6M |
| Capital ratio | 10.61% (stronger) | 9.90% |
| Problem loans | 0.98% (stronger) | 1.68% |
| Net charge-offs | 0.34% (stronger) | 0.60% |
| Return on assets | 0.70% | 0.81% (stronger) |
| Loans ÷ deposits | 82.7% (stronger) | 88.1% |
| Uninsured deposits | 2.4% (stronger) | 6.8% |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | — |
Star USA Federal Credit Union has the higher TellerScore (62 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Star USA Federal Credit Union leads on 6 and Bayer Heritage Federal Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.