Overview / Commentary
828-328-2213 X3155
235 2nd Ave NW
Hickory, NC 28601

HSM Solutions Federal Credit Union is headquartered in HICKORY and is the 67th largest credit union in the state of North Carolina. It is also the 4,667th largest credit union in the nation. It was established in 1977 and as of June of 2018, it had grown to 3 employees and 2,130 members at 1 location. HSM Solutions Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership in HSM Solutions Federal Credit Union is open to employees of Hickory Springs Manufacturing or one of their wholly owned subsidiaries.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. HSM Solutions Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #22740
Year Chartered1977
Primary Regulator
Profit Margin
Return on Assets - YTD1.39%
Return on Equity - YTD14.46%
Annual Interest Income$145.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$5.0MM$4.7MM
LoansQ2 2018vs Q2 2017$3.2MM$3.3MM
DepositsQ2 2018vs Q2 2017$4.3MM$4.1MM
Equity CapitalQ2 2018vs Q2 2017$484.00K$465.00K
Loan Loss AllowanceQ2 2018vs Q2 2017$97.00K$76.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$86.00K$129.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

HSM Solutions Federal Credit Union Savings Account Rates

0.15%*$1k*-Regular Shares
OTHER TIERS: 0.05% $100 - $1k
0.05%--Christmas Club
0.05%--Vacation Club

HSM Solutions Federal Credit Union Checking Account Rates

0.05%--Interest Bearing Checking Account

HSM Solutions Federal Credit Union CD Rates

0.65%*$10k*-1 Year CD
OTHER TIERS: 0.40% Up to $10k
0.50%*$10k*-6 Month CD
OTHER TIERS: 0.30% Up to $10k
0.15%--90 Day CD

HSM Solutions Federal Credit Union Locations
Branch Office235 2ND AVE NWHICKORY, NC 28601

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