HSM Solutions Federal Credit Union

Overview / Commentary
828-328-2213 X3333
235 2nd Ave NW
Hickory, NC 28601

HSM Solutions Federal Credit Union is headquartered in HICKORY and is the 65th largest credit union in the state of North Carolina. It is also the 4,556th largest credit union in the nation. It was established in 1977 and as of September of 2019, it had grown to 3 employees and 2,211 members at 1 location. HSM Solutions Federal Credit Union's CD rates are 39% higher than the national average, but it 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.
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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 - YTD2.23%
Return on Equity - YTD17.19%
Annual Interest Income$251.00K
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$4.8MM$4.9MM
LoansQ3 2019vs Q3 2018$3.3MM$3.4MM
DepositsQ3 2019vs Q3 2018$4.2MM$4.3MM
Equity CapitalQ3 2019vs Q3 2018$636.00K$527.00K
Loan Loss AllowanceQ3 2019vs Q3 2018$77.00K$86.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$95.00K$91.00K
Real Estate OwnedQ3 2019vs Q3 2018$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

1.25%--1 Year CD
0.75%--6 Month CD
0.50%--90 Day CD

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

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