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

Htm Credit Union is headquartered in Haverhill and is the 101st largest credit union in the state of Massachusetts. It is also the 3,432nd largest credit union in the nation. It was established in 1937 and as of March of 2017, it had grown to 4 employees and 2,031 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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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 - YTD0.06%
Return on Equity - YTD0.38%
Annual Interest Income$139.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$20.3MM$19.5MM
LoansQ1 2017vs Q1 2016$8.9MM$8.7MM
DepositsQ1 2017vs Q1 2016$17.1MM$16.5MM
Equity CapitalQ1 2017vs Q1 2016$3.2MM$3.2MM
Loan Loss AllowanceQ1 2017vs Q1 2016$44.00K$44.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$2.00K$0
Real Estate OwnedQ1 2017vs Q1 2016$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