TellerScore

Headquartered in New Martinsvill, West Virginia, Bayer Heritage Federal Credit Union is a federal credit union with $800.7M in total assets and $721.6M in member shares and deposits as of Q2 2026. It operates 8 offices across 5 states. Its charter dates back to 1957.

Bayer Heritage Federal Credit Union has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 1,341 credit unions with $100 million – $1 billion. Among 74 credit unions headquartered in West Virginia, it ranks 64th. Problem-loan coverage contributes the most (73/100, 13.5%); loan quality contributes the least (44/100, 1.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.90%
Loan quality44/100
Loans 60+ days delinquent ÷ total loans: 1.68%
Earnings53/100
Return on assets (annualized): 0.81%
Funding & liquidity72/100
Loans ÷ shares: 88.1% · 6.8% uninsured
Problem-loan coverage73/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.51%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (56 → 54), mostly because the loan quality component weakened by 15 points.

TellerScore
495459Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202449
Q4 202452
Q1 202559
Q2 202556
Q3 202556
Q4 202556
Q1 202659
Q2 202654
Net worth ratio
7.00%8.45%9.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.94%
Q3 20248.05%
Q4 20249.19%
Q1 20259.37%
Q2 20259.39%
Q3 20259.65%
Q4 20259.71%
Q1 20269.65%
Q2 20269.90%
Delinquent loans (60+ days)
0.95%1.32%1.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.95%
Q3 20241.36%
Q4 20241.32%
Q1 20251.08%
Q2 20251.22%
Q3 20251.46%
Q4 20251.42%
Q1 20261.02%
Q2 20261.68%
Return on assets
0.20%0.53%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.25%
Q4 20240.30%
Q1 20250.85%
Q2 20250.57%
Q3 20250.84%
Q4 20250.75%
Q1 20260.61%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$800.7M9.90%1.68%0.81%88.1%
Q1 202659$801.1M9.65%1.02%0.61%84.1%
Q4 202556$786.2M9.71%1.42%0.75%86.1%
Q3 202556$781.4M9.65%1.46%0.84%87.3%
Q2 202556$773.4M9.39%1.22%0.57%86.8%
Q1 202559$769.0M9.37%1.08%0.85%87.2%
Q4 202452$769.2M9.19%1.32%0.30%87.6%
Q3 202449$869.1M8.05%1.36%0.25%76.3%
Q2 202452$872.0M7.94%0.95%0.20%74.9%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.90%
27th
Problem loans1.68%
10th
Net charge-offs0.60%
27th
Return on assets0.81%
55th
Loans to deposits88.1%
20th
Uninsured deposits6.8%
41st
Loan-loss reserves0.00%
50th
Texas ratio13.5%
6th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
First Choice America Community Federal Credit UnionCredit union Weirton, WV96 out of 100, Very strong$713.9M18.1%0.15%vs
Fairmont Federal Credit UnionCredit union Fairmont, WV68 out of 100, Moderate$603.1M10.0%0.69%vs
West Virginia Central Federal Credit UnionCredit union Parkersburg, WV76 out of 100, Strong$341.3M13.2%0.87%vs
Pioneer Appalachia Federal Credit UnionCredit union Charleston, WV76 out of 100, Strong$245.2M11.3%0.07%vs
Long Reach Federal Credit UnionCredit union Middlebourne, WV65 out of 100, Moderate$193.2M9.9%1.08%vs
Star USA Federal Credit UnionCredit union Charleston, WV62 out of 100, Moderate$153.0M10.6%0.98%vs

Deposit insurance

Is my money safe at Bayer Heritage Federal Credit Union?

Yes. Bayer Heritage Federal Credit Union is a federally insured credit union (NCUA charter #11836). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.8% of shares and deposits ($49.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.90%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Bayer Heritage Federal Credit Union lists 8 offices in 7 cities across 5 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bayer Heritage Federal Credit Union
Type
Federal credit union
NCUA charter #
11836
RSSD ID
827289
Primary regulator
NCUA
Established
1957
Headquarters
788 N State Route 2, New Martinsvill, WV 26155
Employees
151

Quick answers

Bayer Heritage Federal Credit Union: common questions

Is Bayer Heritage Federal Credit Union NCUA insured?

Yes. Bayer Heritage Federal Credit Union is a federally insured credit union (NCUA charter #11836). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Bayer Heritage Federal Credit Union's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Bayer Heritage Federal Credit Union have?

8 offices as of the latest NCUA data, in 5 states.