Federal credit union · HICKORY, North Carolina · NCUA charter #22740
HSM
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $5.7M
- Total assets
- 2,160
- Members
- 13.3%
- Net-worth ratio
HSM scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.7M; members 2,160; net-worth ratio 13.31%; health rank #3,172 of 4,374; healthier than 26th of scored peers.
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HSM vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HSM sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for HSM
- Largest favorable gap: Loan-to-Share Ratio at 86.53% vs peer 63.60% (+22.93 pp).
- Net Worth Ratio trails the peer set - 13.31% here, 19.06% peer average (-5.75 pp).
HSM in North Carolina
- Health composite ranks #36 of 57 among scored North Carolina credit unions.
- Assets rank #55 of 57 inside North Carolina ($5.7M reported).
- North Carolina membership ordinal: #46 of 57.
- One place up in North Carolina, SELF-HELP (#35) scores 77/100, 1 point higher; one place down, LITHIUM (#37) scores 75/100, 1 point lower.
How HSM's 5300 filing moved
HSM: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $5.7M (2025Q4) to $5.8M (2026Q1).
- Net-worth ratio shifted +0.08 pp (13.23% → 13.31%).
At 13.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 76/100 score is built
HSM gives up 24 points in total. Return on Assets costs the most, 13.2 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.5 pts
- Return on Assets 1.8 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 14.6 pts
HSM vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.31% | -5.75 pp |
| Delinquency Rate | 0.85% | -0.96 pp |
| Return on Assets | -0.30% | -0.75 pp |
| Member Growth | -0.51% | - |
| Loan-to-Share Ratio | 86.53% | +22.93 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.8M | - |
| 2025Q4 | $5.7M | 2,160 |
| 2024Q4 | $5.6M | 2,171 |
| 2023Q4 | $6.1M | 2,220 |
Credit Union Details
- Charter Number
- 22740
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- North Carolina
- City
- HICKORY
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, HSM runs one office.
| Office | City |
|---|---|
| HICKORY SPRINGS FEDERAL CREDIT UNION (Main Office) | HICKORY, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
Cross-state Call Report peers for HSM
Similar health score
Using this data
- HSM ranks #3,172 of 4,374 nationally on financial health and #36 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ARCADE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ARCADE
Frequently Asked Questions
Is HSM financially healthy?
On its 2025Q4 NCUA 5300 filing, HSM scores 76/100 (Very Good), with a 13.31% net worth ratio and 0.85% of loans delinquent. It ranks #3,172 of 4,374 nationally on health and #36 of 57 in North Carolina.
How does HSM compare to other credit unions?
HSM scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (86.53% vs 63.60%). Its widest shortfall is net worth ratio (13.31% vs 19.06%).
How can I join HSM?
HSM operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact HSM directly for the exact boundaries and application steps.
Is my money safe at HSM?
HSM is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. HSM's net worth ratio of 13.31% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.