Htm Credit Union


Overview / Commentary
978-374-7386
4 Summer Street Room 3
Haverhill, MA 01831

Htm Credit Union is headquartered in Haverhill and is the 86th largest credit union in the state of Massachusetts. It is also the 2,963rd largest credit union in the nation. It was established in 1937 and as of March of 2025, it had grown to 4 employees and 1,789 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.
See current membership details

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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 - YTD0.39%
Return on Equity - YTD2.74%
Annual Interest Income$266K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$27.9MM$27.1MM
LoansQ1 2025vs Q1 2024$14.3MM$13.3MM
DepositsQ1 2025vs Q1 2024$24MM$23.2MM
Equity CapitalQ1 2025vs Q1 2024$3.9MM$3.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$23K$24K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1,000$0
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

Rates for Htm Credit Union are currently being reviewed.

Locations


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

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