| Weiss Ratings |
HSM Federal Credit Union
Hickory, NC |
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| Rating | ||||
| Asset Quality Index | 6.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.10 | |||
| Profitability Index | 2.50 | |||
| Stability Index | 5.60 | |||
| 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 | 1.93% | |||
| 5-Year Asset Growth | 5.46% | |||
| 5-Year Charge-Offs to Average Loans | 1.73% | |||
| Charge-Offs to Average Loans | 2.39% | |||
| Non-Performing Assets to Assets | 1.19% | |||
| Non-Performing Loans to Capital | 3.14% | |||
| Non-Performing Loans to Loans | 0.62% | |||
| Balance Sheet |
HSM Federal Credit Union
Hickory, NC |
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| Total Assets | 5.72M | |||
| Total Deposits | 4.87M | |||
| Capital and Reserves |
HSM Federal Credit Union
Hickory, NC |
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| Capital | 761.00K | |||
| Leverage Ratio | 13.31 | |||
| Loan Loss Reserves to Loans | 1.83% | |||
| Liquidity |
HSM Federal Credit Union
Hickory, NC |
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| Hot Money Ratio | 2.16% | |||
| Liquidity Ratio | 33.52% | |||
| Profitability |
HSM Federal Credit Union
Hickory, NC |
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| 5-Year Return on Average Assets | 0.54% | |||
| Net Income | -11.00K | |||
| Net Interest Spread | 6.78% | |||
| Operating Profit to Average Assets | 1.29% | |||
| Overhead Efficiency Ratio | 92.90% | |||
| Return on Assets | -0.38% | |||
| Return on Equity | -2.89% | |||