Htm Credit Union

Overview / Commentary
4 Summer St Ste 3
Haverhill, MA 01830-5843

Htm Credit Union is headquartered in Haverhill and is the 94th largest credit union in the state of Massachusetts. It is also the 3,300th largest credit union in the nation. It was established in 1937 and as of June of 2019, it had grown to 4 employees and 1,960 members at 1 location. Htm Credit Union has a B+ health rating.

Field of Membership Restrictions

HTM Credit Union is open to former or current employees of the City of Haverhill or cities and towns in the Greater Haverhill area, Court of the Commonwealth, healthcare facilities and persons working in any building that is owned or partially-leased by healthcare facilities. Eligibility also extends to The Friends of the Haverhill Public Library, and employees of the credit union, and immediate family HTMCU credit union members.
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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. Htm Credit Union has a low asset base.

Health Grade Components

NCUA #67749
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD3.72%
Annual Interest Income$334.00K
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$21.0MM$20.6MM
LoansQ2 2019vs Q2 2018$10.3MM$9.6MM
DepositsQ2 2019vs Q2 2018$17.5MM$17.4MM
Equity CapitalQ2 2019vs Q2 2018$3.4MM$3.3MM
Loan Loss AllowanceQ2 2019vs Q2 2018$41.00K$44.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$1,000$0
Real Estate OwnedQ2 2019vs Q2 2018$0$0
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Htm Credit Union Savings Account Rates

0.15%$25-Regular Shares
0.05%$25-Christmas Club
0.05%$25-Vacation Club

Htm Credit Union Locations
Branch Office4 Summer St Ste 3Haverhill, MA 01830-5843

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