HSM
Hickory, NC · Charter 22740 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$5.5MAssets
$4.2MLoans
$4.6MShares
$771KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 99% of credit unions under $1B in assets (rank 21 of 1683).
- Widest gap: efficiency ratio trails 81% of credit unions under $1B in assets (rank 1366 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.55%
Rank 1,072 of 1,683
Net Interest Margin
6.52%
Rank 21 of 1,683
Efficiency Ratio
89.40%
Rank 1,366 of 1,682
Equity / Assets
14.12%
Rank 654 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.35% | 0.74% | 1.18% | Beats 36% | 1,072 / 1,683 | | |
| Return on Equity | 3.89% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,109 / 1,681 | | |
| Net Interest Margin | 6.52% | 3.31% | 3.82% | 4.32% | Beats 99% | 21 / 1,683 | | |
| Efficiency Ratio | 89.40% | 68.91% | 78.20% | 86.93% | Beats 19% | 1,366 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.26% | 0.65% | 1.29% | Beats 44% | 951 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.12% | 10.44% | 12.89% | 16.53% | Beats 61% | 654 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.12% | 10.44% | 12.89% | 16.53% | Beats 61% | 654 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.30% | 52.61% | 69.38% | 83.50% | 86th pctl | 229 / 1,683 | | |
| Loans / Assets | 76.59% | 44.71% | 59.18% | 70.72% | 86th pctl | 228 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |