| Weiss Ratings |
Heritage USA Federal Credit Union
Midland, TX |
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| Rating | ||||
| Asset Quality Index | 4.60 | |||
| Capitalization Index | 7.70 | |||
| Liquidity Index | 3.90 | |||
| Profitability Index | 4.80 | |||
| Stability Index | 7.00 | |||
| Company Info |
Heritage USA Federal Credit Union
Midland, TX |
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| NCUA Charter Number | 1473 | |||
| Phone Number | (432) 681-1050 | |||
| Website | www.heritage-usa.net | |||
| Asset Quality |
Heritage USA Federal Credit Union
Midland, TX |
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| 1-Year Asset Growth | 20.01% | |||
| 5-Year Asset Growth | 13.53% | |||
| 5-Year Charge-Offs to Average Loans | 0.63% | |||
| Charge-Offs to Average Loans | 0.36% | |||
| Non-Performing Assets to Assets | 1.39% | |||
| Non-Performing Loans to Capital | 12.95% | |||
| Non-Performing Loans to Loans | 1.99% | |||
| Balance Sheet |
Heritage USA Federal Credit Union
Midland, TX |
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| Total Assets | 110.70M | |||
| Total Deposits | 98.44M | |||
| Capital and Reserves |
Heritage USA Federal Credit Union
Midland, TX |
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| Capital | 11.00M | |||
| Leverage Ratio | 9.95 | |||
| Loan Loss Reserves to Loans | 1.20% | |||
| Liquidity |
Heritage USA Federal Credit Union
Midland, TX |
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| Hot Money Ratio | 31.70% | |||
| Liquidity Ratio | 33.61% | |||
| Profitability |
Heritage USA Federal Credit Union
Midland, TX |
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| 5-Year Return on Average Assets | 1.62% | |||
| Net Income | 48.00K | |||
| Net Interest Spread | 6.36% | |||
| Operating Profit to Average Assets | 1.09% | |||
| Overhead Efficiency Ratio | 83.07% | |||
| Return on Assets | 0.18% | |||
| Return on Equity | 1.75% | |||