Haverhill Fire Department

Haverhill, MA · 2 · Charter #67710 · www.hfdcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$26.9M
73th percentile
Members
1,193
43th percentile
Total loans
$16.0M
81th percentile
Total shares
$24.2M
76th percentile

Profitability

Return on assets
0.35%
29th percentile
Net interest margin
2.66%
11th percentile
Efficiency ratio
60.79%
63th percentile
Non-interest income ratio
7.34%
43th percentile

Capital & Risk

Net worth ratio
9.61%
13th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.02%
71th percentile
Loan-to-share
65.99%
58th percentile

Growth

Member growth YoY
-3.63%
27th percentile
Asset growth YoY
2.70%
60th percentile
Loan growth YoY
-6.02%
37th percentile
Share growth YoY
2.40%
61th percentile

Operations

Members / branch
597
27th percentile
Assets / member
$22,514
98th percentile
Field of membership penetration
47.72%
63th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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