Heritage federal credit union routing number is a nine digit number used to identify bank transfers. Routing numbers will be different based on the account branch. It is based on the bank account origin by state and region. The routing number on check is available for each branch in the table below.
More recently, in the 20th century, the phrase 'a real piece of work' has been coined to mean 'a really bad person, lacking morality and scruples'.
Return on Capital Employed. Return on capital employed or ROCE is a profitability ratio that measures how efficiently a company can generate profits from its capital employed by comparing net operating profit to capital employed.he return on capital employed ratio shows how much profit each dollar of employed capital generates. Obviously, a higher ratio would be more favorable because it means that more dollars of profits are generated by each dollar of capital employed.