| Metric | Htm Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +4.9% | +0.9% | +3.9 pts |
| Loan growth (YoY) | +8.4% | -2.6% | +11.0 pts |
| ROA | 0.67% | 0.65% | +0.0 pts |
| ROE | 4.9% | 4.4% | +0.5 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.6M | $25.6M | $16.2M | $4.1M | $100K | 0.67% | 3.14% | 0.11% | 1,787 |
| Q1 2026 | $29.5M | $25.5M | $15.3M | $4.0M | $50K | 0.68% | 3.00% | 0.04% | 1,792 |
| Q4 2025 | $28.6M | $24.6M | $14.3M | $4.0M | $108K | 0.38% | 2.95% | 0.06% | 1,787 |
| Q3 2025 | $27.1M | $23.1M | $15.4M | $4.0M | $99K | 0.49% | 3.09% | 0.06% | 1,792 |
| Q2 2025 | $28.4M | $24.4M | $14.9M | $3.9M | $70K | 0.50% | 2.87% | 0.01% | 1,790 |
| Q1 2025 | $27.9M | $24.0M | $14.3M | $3.9M | $27K | 0.38% | 2.79% | 0.01% | 1,789 |
| Q4 2024 | $26.9M | $23.0M | $13.9M | $3.9M | $66K | 0.25% | 2.76% | 0.00% | 1,783 |
| Q3 2024 | $26.2M | $22.3M | $14.0M | $3.9M | $69K | 0.35% | 2.82% | 0.01% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Htm Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.65% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,800 |
| Q2 2024 | $27.1M | $23.3M | $13.3M | $3.9M | $50K | 0.37% | 2.72% | 0.00% | 1,801 |
Loan mix (Q2 2026): real estate $10.3M · commercial $0 · consumer $5.7M · securities $7.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 80.6% | 49th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Htm Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Htm Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Htm Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Htm Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Htm Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Essex, MA, ranked 47th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Essex, MA | 1 | $25.6M* | 0.07% | 47th |
Massachusetts: 198th with 0.00% · Boston-Cambridge-Newton metro: 148th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1