| Weiss Ratings |
HSM Federal Credit Union
Hickory, NC |
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| Rating | ||||
| Asset Quality Index | 6.30 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.20 | |||
| Profitability Index | 2.10 | |||
| Stability Index | 6.30 | |||
| Company Info |
HSM Federal Credit Union
Hickory, NC |
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| NCUA Charter Number | 3828 | |||
| Phone Number | (828) 328-2213 3333 | |||
| Website | www.hickoryspringsfcu.org | |||
| Asset Quality |
HSM Federal Credit Union
Hickory, NC |
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| 1-Year Asset Growth | -1.87% | |||
| 5-Year Asset Growth | 4.06% | |||
| 5-Year Charge-Offs to Average Loans | 1.82% | |||
| Charge-Offs to Average Loans | 3.52% | |||
| Non-Performing Assets to Assets | 0.82% | |||
| Non-Performing Loans to Capital | 5.52% | |||
| Non-Performing Loans to Loans | 1.02% | |||
| Balance Sheet |
HSM Federal Credit Union
Hickory, NC |
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| Total Assets | 5.73M | |||
| Total Deposits | 4.81M | |||
| Capital and Reserves |
HSM Federal Credit Union
Hickory, NC |
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| Capital | 792.00K | |||
| Leverage Ratio | 13.82 | |||
| Loan Loss Reserves to Loans | 1.30% | |||
| Liquidity |
HSM Federal Credit Union
Hickory, NC |
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| Hot Money Ratio | 2.14% | |||
| Liquidity Ratio | 24.41% | |||
| Profitability |
HSM Federal Credit Union
Hickory, NC |
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| 5-Year Return on Average Assets | 1.02% | |||
| Net Income | -16.00K | |||
| Net Interest Spread | 7.13% | |||
| Operating Profit to Average Assets | 1.62% | |||
| Overhead Efficiency Ratio | 84.31% | |||
| Return on Assets | -1.08% | |||
| Return on Equity | -8.00% | |||