| Weiss Ratings |
HSM Federal Credit Union
Hickory, NC |
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| Rating | ||||
| Asset Quality Index | 5.70 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.40 | |||
| Profitability Index | 3.20 | |||
| Stability Index | 3.00 | |||
| 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 | -1.64% | |||
| 5-Year Asset Growth | 4.06% | |||
| 5-Year Charge-Offs to Average Loans | 1.82% | |||
| Charge-Offs to Average Loans | 2.77% | |||
| Non-Performing Assets to Assets | 1.16% | |||
| Non-Performing Loans to Capital | 7.87% | |||
| Non-Performing Loans to Loans | 1.46% | |||
| Balance Sheet |
HSM Federal Credit Union
Hickory, NC |
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| Total Assets | 5.71M | |||
| Total Deposits | 4.85M | |||
| Capital and Reserves |
HSM Federal Credit Union
Hickory, NC |
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| Capital | 781.00K | |||
| Leverage Ratio | 13.67 | |||
| Loan Loss Reserves to Loans | 1.28% | |||
| Liquidity |
HSM Federal Credit Union
Hickory, NC |
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| Hot Money Ratio | 2.19% | |||
| Liquidity Ratio | 25.74% | |||
| Profitability |
HSM Federal Credit Union
Hickory, NC |
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| 5-Year Return on Average Assets | 1.02% | |||
| Net Income | -27.00K | |||
| Net Interest Spread | 6.93% | |||
| Operating Profit to Average Assets | 1.53% | |||
| Overhead Efficiency Ratio | 85.46% | |||
| Return on Assets | -0.63% | |||
| Return on Equity | -4.53% | |||