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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,172 of 4,374 health · 2025Q4HSM · health 76/100 · $5.7M · 2025Q4
- ROA 76/100
- ASSETS 13.3%
- MEM 0.85%
- RANK -0.30%
- PHOTO $5.7M
- BOOK 2,160
- CHARTER #3,172/4,374
- NCUSIF n/a
- CAMELS 22740
HSM carries $5.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HSM vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
HSM - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #22740 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How HSM's 5300 filing moved
HSM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $5.7M (2025Q4) to $5.8M (2026Q1).
- Net-worth ratio shifted +0.08 pp (13.23% → 13.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Cross-state asset and health neighbours for HSM - kept outside North Carolina; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
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
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is HSM financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, HSM carries a financial health score of 76/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,172 of 4,374; by total assets it ranks #3,819 of 4,374 nationally (same basis as /rankings/largest); and #55 of 57 within North Carolina. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.31% net worth ratio and a 0.85% delinquency rate.
How does HSM compare to other credit unions?
76/100 is HSM's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like HSM are 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."
What rates does HSM offer compared to banks?
Credit unions like HSM are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact HSM directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.