| Weiss Ratings |
Heritage South Credit Union
Sylacauga, AL |
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| Rating | ||||
| Asset Quality Index | 7.60 | |||
| Capitalization Index | 7.00 | |||
| Liquidity Index | 2.90 | |||
| Profitability Index | 1.10 | |||
| 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 | -4.54% | |||
| 5-Year Asset Growth | 4.87% | |||
| 5-Year Charge-Offs to Average Loans | 0.41% | |||
| Charge-Offs to Average Loans | 0.36% | |||
| Non-Performing Assets to Assets | 0.56% | |||
| Non-Performing Loans to Capital | 6.00% | |||
| Non-Performing Loans to Loans | 0.52% | |||
| Balance Sheet |
Heritage South Credit Union
Sylacauga, AL |
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| Total Assets | 176.26M | |||
| Total Deposits | 153.61M | |||
| Capital and Reserves |
Heritage South Credit Union
Sylacauga, AL |
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| Capital | 15.64M | |||
| Leverage Ratio | 9.97 | |||
| Loan Loss Reserves to Loans | 0.62% | |||
| Liquidity |
Heritage South Credit Union
Sylacauga, AL |
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| Hot Money Ratio | 13.40% | |||
| Liquidity Ratio | 11.46% | |||
| Profitability |
Heritage South Credit Union
Sylacauga, AL |
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| 5-Year Return on Average Assets | 0.42% | |||
| Net Income | 121.00K | |||
| Net Interest Spread | 5.15% | |||
| Operating Profit to Average Assets | 0.54% | |||
| Overhead Efficiency Ratio | 91.23% | |||
| Return on Assets | 0.14% | |||
| Return on Equity | 1.58% | |||