HTM Credit Union Profile

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HTM

Charter #67749 | NCUA Region 1 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (978) 374-7386

Fax: (978) 372-0654

Founding Date: N/A

Website: http://www.htmcreditunion.com

Personnel & Operations

President: Juknavorian, Diane

Manager: Graham, Joseph

FT Employees: 4

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 1

Hours: Monday - Friday 9:00 a.m to 4:00 p.m.

Credit Union Profile Summary

HTM is a FISCU Credit Union. With a total of 1,790 members [1], this institution manages approximately $28,375,260 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 13.91% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 11.99% [1].

Financial Snapshot

Total Assets [1]
$28,375,260

Total economic resources.

Total Loans [1]
$14,928,054

Total value of outstanding loans.

Total Deposits [1]
$24,441,304

Total funds deposited by members.

Members [1]
1,790

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13.91%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.51%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
61.08%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
4.60%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
11.99%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-0.61%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

4 Summer St Ste 3

Haverhill, MA, 01830-5843

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 1 branches reported by HTM (Charter #67749).

Main Office

HTM Credit Union Main Office

Type: Corporate Office

4 Summer St Ste 3

Haverhill, MA 01830-5843

Phone: (978) 374-7386

Services: Member Services

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