New Martinsvill, West Virginia · Peer group 6
Bayer Heritage Credit Union
Bayer Heritage Credit Union holds $801.1M in assets across 45,014 members as of Q1 2026 — about $18K of assets per member, on a charter dating to 1957. Charter number 11836, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $801.1M |
|---|---|
| Total loans | $608.5M |
| Total shares (deposits) | $723.9M |
| Net worth | $77.3M |
| Members | 45,014 |
| Assets per member | $18K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.2% | |
|---|---|---|
| Loans | 0.1% | around the 22nd percentile of its peer group |
| Deposits | 3.9% | around the 44th percentile of its peer group |
| Members | 2.5% | around the 62nd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 84.1% | around the 48th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.7% | around the 29th percentile of its peer group |
| Return on assets | 0.61% | around the 44th percentile of its peer group |
| Delinquency ratio | 1.02% | around the 80th percentile of its peer group |
| Cash / assets | 6.3% | around the 30th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 19th percentile of its peer group |
What this page does not show
Everything above is Bayer Heritage Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within West Virginia — the comparison set a peer ratio is measured against.
- First Choice America Community Credit Union
Weirton, WV
$704.4M · 30,677 members
- Fairmont Credit Union
FAIRMONT, WV
$602.5M · 45,432 members
- West Virginia Central Credit Union
Parkersburg, WV
$336.7M · 23,842 members
- Pioneer Appalachia Credit Union
Charleston, WV
$245.5M · 15,071 members
- Long Reach Credit Union
Middlebourne, WV
$189.2M · 10,913 members
- Star USA Credit Union
Charleston, WV
$158.0M · 13,708 members
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