Htm

Haverhill, MA · 2 · Charter #67749 · www.htmcreditunion.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
$28.6M
75th percentile
Members
1,787
60th percentile
Total loans
$14.3M
77th percentile
Total shares
$24.6M
77th percentile

Profitability

Return on assets
0.39%
31th percentile
Net interest margin
2.95%
18th percentile
Efficiency ratio
67.39%
48th percentile
Non-interest income ratio
8.29%
46th percentile

Capital & Risk

Net worth ratio
13.95%
44th percentile
Delinquency rate
0.06%
80th percentile
Net charge-off rate
0.02%
71th percentile
Loan-to-share
58.25%
47th percentile

Growth

Member growth YoY
0.22%
70th percentile
Asset growth YoY
6.34%
81th percentile
Loan growth YoY
3.43%
74th percentile
Share growth YoY
6.92%
84th percentile

Operations

Members / branch
1,787
73th percentile
Assets / member
$15,984
88th percentile
Field of membership penetration
17.87%
31th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for Htm?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo