| Weiss Ratings |
Heritage South Credit Union
Sylacauga, AL |
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| Rating | ||||
| Asset Quality Index | 7.20 | |||
| Capitalization Index | 7.00 | |||
| Liquidity Index | 3.20 | |||
| Profitability Index | 4.60 | |||
| Stability Index | 5.10 | |||
| Company Info |
Heritage South Credit Union
Sylacauga, AL |
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| NCUA Charter Number | 887 | |||
| Phone Number | (256) 245-4776 | |||
| Website | www.myhscu.com | |||
| Asset Quality |
Heritage South Credit Union
Sylacauga, AL |
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| 1-Year Asset Growth | -2.39% | |||
| 5-Year Asset Growth | 4.87% | |||
| 5-Year Charge-Offs to Average Loans | 0.41% | |||
| Charge-Offs to Average Loans | 0.42% | |||
| Non-Performing Assets to Assets | 0.70% | |||
| Non-Performing Loans to Capital | 7.41% | |||
| Non-Performing Loans to Loans | 0.67% | |||
| Balance Sheet |
Heritage South Credit Union
Sylacauga, AL |
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| Total Assets | 180.16M | |||
| Total Deposits | 163.43M | |||
| Capital and Reserves |
Heritage South Credit Union
Sylacauga, AL |
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| Capital | 16.06M | |||
| Leverage Ratio | 9.93 | |||
| Loan Loss Reserves to Loans | 0.63% | |||
| Liquidity |
Heritage South Credit Union
Sylacauga, AL |
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| Hot Money Ratio | 15.70% | |||
| Liquidity Ratio | 15.47% | |||
| Profitability |
Heritage South Credit Union
Sylacauga, AL |
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| 5-Year Return on Average Assets | 0.42% | |||
| Net Income | 441.00K | |||
| Net Interest Spread | 5.25% | |||
| Operating Profit to Average Assets | 0.74% | |||
| Overhead Efficiency Ratio | 87.97% | |||
| Return on Assets | 0.33% | |||
| Return on Equity | 3.79% | |||