| Weiss Ratings |
Heritage Family Federal Credit Union
Rutland, VT |
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| Rating | ||||
| Asset Quality Index | 8.00 | |||
| Capitalization Index | 7.50 | |||
| Liquidity Index | 2.70 | |||
| Profitability Index | 5.80 | |||
| Stability Index | 7.50 | |||
| Company Info |
Heritage Family Federal Credit Union
Rutland, VT |
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| NCUA Charter Number | 4814 | |||
| Phone Number | (888) 252-8932 | |||
| Website | www.hfcuvt.com | |||
| Asset Quality |
Heritage Family Federal Credit Union
Rutland, VT |
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| 1-Year Asset Growth | 3.97% | |||
| 5-Year Asset Growth | 8.87% | |||
| 5-Year Charge-Offs to Average Loans | 0.47% | |||
| Charge-Offs to Average Loans | 0.42% | |||
| Non-Performing Assets to Assets | 0.51% | |||
| Non-Performing Loans to Capital | 5.12% | |||
| Non-Performing Loans to Loans | 0.69% | |||
| Balance Sheet |
Heritage Family Federal Credit Union
Rutland, VT |
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| Total Assets | 773.43M | |||
| Total Deposits | 630.21M | |||
| Capital and Reserves |
Heritage Family Federal Credit Union
Rutland, VT |
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| Capital | 71.26M | |||
| Leverage Ratio | 11.43 | |||
| Loan Loss Reserves to Loans | 1.15% | |||
| Liquidity |
Heritage Family Federal Credit Union
Rutland, VT |
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| Hot Money Ratio | 9.08% | |||
| Liquidity Ratio | 12.35% | |||
| Profitability |
Heritage Family Federal Credit Union
Rutland, VT |
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| 5-Year Return on Average Assets | 1.01% | |||
| Net Income | 5.08M | |||
| Net Interest Spread | 4.43% | |||
| Operating Profit to Average Assets | 1.21% | |||
| Overhead Efficiency Ratio | 75.44% | |||
| Return on Assets | 0.90% | |||
| Return on Equity | 10.77% | |||