State credit union · Haverhill, Massachusetts · NCUA charter #67749
HTM
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $28.6M
- Total assets
- 1,787
- Members
- 13.7%
- Net-worth ratio
HTM scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $28.6M; members 1,787; net-worth ratio 13.69%; health rank #1,437 of 4,374; healthier than 65th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,437 of 4,374 health · 2025Q4HTM · health 88/100 · $28.6M · 2025Q4
- ASSETS 88/100
- MEM 13.7%
- RANK 0.06%
- PHOTO 0.23%
- BOOK $28.6M
- CHARTER 1,787
- NCUSIF #1,437/4,374
- CAMELS Walton County Teachers
- HEALTH 67749
Call Report peers
HTM in the assets neighbourhood
HTM's $28.6M assets sit next to Walton County Teachers ($28.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HTM 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
88 Top 35% higher than 65% 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
HTM - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67749, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for HTM
- Largest favorable gap: Delinquency Rate at 0.06% vs peer 1.15% (-1.09 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -1.55 pp (58.25% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
HTM in Massachusetts
- Massachusetts health ordinal: #41 of 126.
- By total assets, HTM is #85 of 126 in Massachusetts.
- Massachusetts membership ordinal: #85 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for HTM
HTM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $28.6M (2025Q4) to $29.5M (2026Q1).
- Net-worth ratio shifted -0.26 pp (13.95% → 13.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.69% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 12.7 pts
Call Report ratios for HTM
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.69% | -1.17 pp |
| Delinquency Rate | 0.06% | -1.09 pp |
| Return on Assets | 0.23% | -0.47 pp |
| Member Growth | 0.22% | - |
| Loan-to-Share Ratio | 58.25% | -1.55 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
HTM quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.5M | - |
| 2025Q4 | $28.6M | 1,787 |
| 2024Q4 | $26.9M | 1,783 |
| 2023Q4 | $26.5M | 1,783 |
Credit Union Details
- Charter Number
- 67749
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- Haverhill
- Data Quarter
- 2025Q4
Branch Location
HTM operates a single office in Haverhill, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| HTM Credit Union (Main Office) | Haverhill, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Other-state peers near HTM
HTM's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($28.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- HTM ranks #1,437 of 4,374 nationally on financial health and #41 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Taupa Lithuanian is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Taupa Lithuanian
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts 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 HTM financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - HTM's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,437 of 4,374; by total assets it ranks #2,888 of 4,374 nationally (same basis as /rankings/largest); and #85 of 126 within Massachusetts. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.69% net worth ratio and 0.06% delinquency rate are the key drivers.
How does HTM compare to other credit unions?
88/100 is HTM's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 HTM?
Membership eligibility for HTM depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact HTM directly for current membership requirements and application steps.
Is my money safe at HTM?
Federal credit unions like HTM 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. HTM's net worth ratio of 13.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HTM offer compared to banks?
Credit unions like HTM 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 HTM 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.