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Overview / Commentary
978-374-7386
4 Summer St Ste 3
Haverhill, MA 01830-5843

Htm Credit Union is headquartered in Haverhill and is the 103rd largest credit union in the state of Massachusetts. It is also the 3,477th largest credit union in the nation. It was established in 1937 and as of June of 2016, it had grown to 4 employees and 2,063 members at 1 location. Htm Credit Union has a B+ health rating.

Field of Membership Restrictions

Htm Credit Union of Massachusetts is open to the current and retired employees of the credit union affiliated offices, organizations, institutions, and/or facilities that are listed on the credit union website along with the credit union employees and the family members of credit union members.
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Health
B+
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

Overall
NCUA #67749
Year Chartered1937
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD1.64%
Annual Interest Income$267.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$19.6MM$18.4MM
LoansQ2 2016vs Q2 2015$8.8MM$8.5MM
DepositsQ2 2016vs Q2 2015$16.4MM$15.3MM
Equity CapitalQ2 2016vs Q2 2015$3.2MM$3.1MM
Loan Loss AllowanceQ2 2016vs Q2 2015$44.00K$55.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$0$3.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
Rates
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Htm Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$25-Regular Shares
0.05%$25-Christmas Club
0.05%$25-Vacation Club
Locations


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