TellerScore

Headquartered in Haverhill, Massachusetts, Htm Credit Union is a federally insured state-chartered credit union with $29.6M in total assets and $25.6M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1937.

Htm Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 25th. Problem-loan coverage contributes the most (99/100, 0.4%); earnings contributes the least (47/100, 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion88/100
Net worth ratio: 13.79%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.11%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity97/100
Loans ÷ shares: 63.1% · 3.4% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.44%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (85 → 84).

TellerScore
838586Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202485
Q3 202486
Q4 202484
Q1 202584
Q2 202585
Q3 202586
Q4 202583
Q1 202685
Q2 202684
Net worth ratio
7.00%10.91%14.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202414.23%
Q3 202414.82%
Q4 202414.44%
Q1 202514.01%
Q2 202513.91%
Q3 202514.69%
Q4 202513.95%
Q1 202613.69%
Q2 202613.79%
Delinquent loans (60+ days)
0.00%0.06%0.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.01%
Q4 20240.00%
Q1 20250.01%
Q2 20250.01%
Q3 20250.06%
Q4 20250.06%
Q1 20260.04%
Q2 20260.11%
Return on assets
0.25%0.47%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.37%
Q3 20240.35%
Q4 20240.25%
Q1 20250.38%
Q2 20250.50%
Q3 20250.49%
Q4 20250.38%
Q1 20260.68%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$29.6M13.79%0.11%0.67%63.1%
Q1 202685$29.5M13.69%0.04%0.68%60.1%
Q4 202583$28.6M13.95%0.06%0.38%58.2%
Q3 202586$27.1M14.69%0.06%0.49%66.7%
Q2 202585$28.4M13.91%0.01%0.50%61.1%
Q1 202584$27.9M14.01%0.01%0.38%59.6%
Q4 202484$26.9M14.44%0.00%0.25%60.2%
Q3 202486$26.2M14.82%0.01%0.35%62.8%
Q2 202485$27.1M14.23%0.00%0.37%57.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.79%
46th
Problem loans0.11%
79th
Net charge-offs0.00%
77th
Return on assets0.67%
52nd
Loans to deposits63.1%
43rd
Uninsured deposits3.4%
32nd
Loan-loss reserves0.00%
37th
Texas ratio0.4%
76th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Massachusetts Family Federal Credit UnionCredit union Lynn, MA81 out of 100, Strong$29.6M16.3%0.01%vs
Malden Federal Credit UnionCredit union Malden, MA90 out of 100, Very strong$29.4M17.1%0.03%vs
Leominster Employees Federal Credit UnionCredit union Leominster, MA80 out of 100, Strong$30.0M11.2%0.01%vs
Lowell Firefighters Credit UnionCredit union Lowell, MA75 out of 100, Strong$28.3M11.3%0.09%vs
Mills42 Federal Credit UnionCredit union Lowell, MA73 out of 100, Strong$31.5M11.9%0.61%vs
Haverhill Fire Department Credit UnionCredit union Haverhill, MA71 out of 100, Strong$27.7M9.6%0.02%vs

Deposit insurance

Is my money safe at Htm Credit Union?

Yes. Htm Credit Union is a federally insured credit union (NCUA charter #67749). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.4% of shares and deposits ($881K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.79%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Htm Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Htm Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67749
RSSD ID
156792
Primary regulator
State + NCUA
Established
1937
Headquarters
P.O. Box 383, Haverhill, MA 01831
Employees
5

Quick answers

Htm Credit Union: common questions

Is Htm Credit Union NCUA insured?

Yes. Htm Credit Union is a federally insured credit union (NCUA charter #67749). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Htm Credit Union's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Htm Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Haverhill

InstitutionScoreAssetsCapitalProblem loansCompare
New Hampshire Postal Credit UnionCredit union Manchester, NH100 out of 100, Very strong$68.5M22.6%0.03%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Danvers Municipal Federal Credit UnionCredit union Danvers, MA91 out of 100, Very strong$8.2M39.0%0.00%vs
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Cape Ann Savings BankBank Gloucester, MA86 out of 100, Very strong$1.1B20.5%0.59%vs