# BAYER HERITAGE
New Martinsvill, WV · NCUA charter 11836 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bayer-heritage-11836

Who the members are: federal charter, multiple common bond, organized 1957, low-income designated. 45,014 members of 505,400 potential (8.9% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $801.1M |
| Members | 45,014 (2.5% YoY) |
| Full-time staff | 152 |
| Net worth | $77.3M |
| Net worth ratio | 9.7% (p36 of band) |
| ROA (annualized) | 0.61% (p49 of band) |
| Total delinquency | 1.02% (p80 of band) |
| Net charge-offs (annualized) | 0.54% (p61 of band) |
| Loans / shares | 84% (p57 of band) |
| Cash / assets | 7.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.80% (p74 of band) |
| Operating expense / assets | 3.25% (p33 of band) |
| Vehicles % of loans | 39% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 1.17% (p83 of band) |
| Vehicle NCO | 1.23% (p67 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 105% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 38% |
| Average share balance | $8,161 |
| Participations bought / yr | $7.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $64.2M |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $18,971 |
| Loans granted, annualized | $210.1M |

## Participation posture (from the same filings)

Bought $7.5M and sold $0 in the latest annualized quarter; $64.2M outstanding purchased (83.1% of net worth), $0 sold and retained. Sold in 1 and bought in 8 of the last 8 quarters. Shares 3.9% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | thin capital |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | members leaving |  |
| 2017-12 | 2 |  | net worth falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 0 |  | thin capital, members leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | thin capital |  |
| 2019-06 | 0 |  | thin capital |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | thin capital |  |
| 2021-06 | 0 |  | thin capital |
| 2021-09 | 1 | thin capital |  |
| 2021-12 | 2 | net worth falling |  |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | thin capital |
| 2023-03 | 1 | thin capital |  |
| 2023-06 | 0 |  | thin capital |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | thin capital, delinquency rising |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 | assets shrinking | thin capital, delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency 2x band |  |
| 2025-12 | 0 |  | assets shrinking, delinquency 2x band |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-04-12 [Bayer Heritage Federal Credit Union Operations Office Opens - wetzelchronicle.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxON3NuT1F5S3hGMUFTZlpEaTNSMVZscVBPbXJQZ2pDODlxcWJLbmV4Y2c3aEpRZzhTeVYyTVF5cUo1bm1JYTNDU2NiMTVOOHhWRHR5REJhVUlhNmhQeWNCVENhSGhZMlIxTHpaeVVTTWR4NjRnNHlMdC1NMFVGRGJCOFJFRXlQUXFzV0ZBdThkak9pbmtCNVg2ZzRMTlB5enZkTjh0V1QzYTVqRUJo?oc=5) · wetzelchronicle.com
- 2023-10-24 [Local police looking for suspect that stole $20,000 from credit union; Already arrested one person for same crime - WTRF](https://news.google.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?oc=5) · WTRF
- 2021-09-08 [Bayer Heritage Moves to New Location - wetzelchronicle.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxPZ3hPNHlzdE84TEpBaHBlQVNEbzVZN1NiTERNaHYwOWtYTTJudjRHTmtLZWY4bm1Pd3dHaGNCZFJrUVhBbE16UVdINDFKSjI5V3JUTnE1WU1aTmRCNGpESUh0YmlwVlQ1Rm41UnNKTkx1SmRoMUpIenNmYXRjRVV4X1haNUs4bVRNVW93NHlJeW91MkY5eWI1QmRUR2IxTTJ5YXVr?oc=5) · wetzelchronicle.com
- 2021-05-09 [Obituary information for Frederick Matthew Lewton - kepnerfuneral.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPeUNSUklxUjdRV2x6aWR1MXlqck95TTlSR2pDMTZhMTZhTGs3MzZmQnBKN3hmcDA2SXJaV3FEMDFiMmJqUElURll1ZVlXVzB2eFN2OHlmb1dtcVJJT1VnVnh1ZUlUZEEzNmdvWHkxdGFJbWh2b01uQ2d4MHVkN2FieFZjYjA2dw?oc=5) · kepnerfuneral.com
- 2023-06-28 [Bayer Heritage Federal Credit Union Operations Office Grand Opening - wetzelchronicle.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxQRlc3SFRXWGFYSmpZR1R2SmktejJKMFlqelFERlh5Z0tKdWJ0X1lqZkd5aHhSWmR6VmNTcG9YcTlQaTFnR2tHRmdoR1N5WjZtNXEtejJmVWd3SDFHTEQySU0xUGszS3o0QnhRUG5YR1BxT09GU2pKTnRqRktOOTdteHVlQ2lrYTd2MDhDeFNmYkVwSnA5LXZpWUs5NldPelYyQ25fR1RmUGNNX091SW54M1RJVUdxWXc?oc=5) · wetzelchronicle.com
- 2023-09-27 [Tyler Consolidated Band Hosts Band A Rama - tylerstarnews.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQZ29TNEZCTUVwV0VZVURxcUVmSVRhbHhoMVFXYVJZQlpObUZhYUZaTW83djQ0cGJsRzcxSktJMzNfQ1I2S05aYzU4QjZMYngzaVg0T3JFTThpWlFNSGZhTmd4cjRpT1JVcGFpdGl1QXMtWmlPVUtBTmEtblgwSWtUdnZUZVRGRWxMaW95SGZwVGwwTHlG?oc=5) · tylerstarnews.com
- 2021-10-13 [Chili Open Golf Tournament was a Huge Success - tylerstarnews.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOc2x1M0lybnZFY00zUHVxYjVQM01kdjdoYkY3bVI1RnJCV2lHUFloUHhxWS1mQjM1aWtTNTlyWUlLRHoxOHV5dWJyektlYUY4ZzFtUWx4aW9Xc1REREFlaG1vT0JRcHotRUNDcXo1YmZoaUhjek5SVTJtZU9ZeWJfT3FxYlVfNzUySEd1YnJFdkluVXBVQUoyaEplZUNydVVvOGRpeWtuVnhiVlE?oc=5) · tylerstarnews.com
- 2018-09-19 [TCHS Plays Host to Band Competition - tylerstarnews.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQTWZQa1d2dU5iamgwb0tickt6ZTFweFlrd1VkRjJxZUZKRlBOYWZIaTJKZE9xYmVvanhLYmxrdi1zQTlLMHZnaTdGS2tMampYTjBSWDAwcXJUOWpGeEdpaUJMaS1uNEtFSWxURGJvYUFrczktcmhneDFwcFZkNk1WMzdjcFpwemN5UDVQWGd3NGRFblFoMncxVg?oc=5) · tylerstarnews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11836 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/60.json (key "11836", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11836
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide