Htm Credit Union

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

Htm Credit Union is headquartered in Haverhill and is the 95th largest credit union in the state of Massachusetts. It is also the 3,292nd largest credit union in the nation. It was established in 1937 and as of December of 2019, it had grown to 4 employees and 1,932 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 - YTD0.51%
Return on Equity - YTD3.03%
Annual Interest Income$666.00K
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$20.8MM$20.5MM
LoansQ4 2019vs Q4 2018$10.2MM$9.9MM
DepositsQ4 2019vs Q4 2018$17.3MM$17.1MM
Equity CapitalQ4 2019vs Q4 2018$3.4MM$3.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$48.00K$41.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$0$0
Real Estate OwnedQ4 2019vs Q4 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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