Heritage Family Federal Credit Union

Weiss Ratings	Heritage Family Federal Credit Union Rutland, VT	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	8.30
Capitalization Index	6.70
Liquidity Index	2.50
Profitability Index	9.30
Stability Index	5.70

Company Info	Heritage Family Federal Credit Union Rutland, VT	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	4814
Phone Number	(888) 252-8932
Website	www.hfcuvt.com

Asset Quality	Heritage Family Federal Credit Union Rutland, VT	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	1.39%
5-Year Asset Growth	8.87%
5-Year Charge-Offs to Average Loans	0.54%
Charge-Offs to Average Loans	0.37%
Non-Performing Assets to Assets	0.40%
Non-Performing Loans to Capital	4.58%
Non-Performing Loans to Loans	0.52%

Balance Sheet	Heritage Family Federal Credit Union Rutland, VT	Click to Compare	Click to Compare	Click to Compare
Total Assets	738.81M
Total Deposits	608.02M

Capital and Reserves	Heritage Family Federal Credit Union Rutland, VT	Click to Compare	Click to Compare	Click to Compare
Capital	58.86M
Leverage Ratio	11.31
Loan Loss Reserves to Loans	1.00%

Liquidity	Heritage Family Federal Credit Union Rutland, VT	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	6.63%
Liquidity Ratio	11.13%

Profitability	Heritage Family Federal Credit Union Rutland, VT	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.92%
Net Income	8.92M
Net Interest Spread	4.39%
Operating Profit to Average Assets	1.53%
Overhead Efficiency Ratio	71.45%
Return on Assets	1.22%
Return on Equity	16.70%