HSM

Charter #22740 | NC

<100M (2596 CUs) Micro
32 <100M in NC

HSM has 3 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 2.49% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - ROA 1.25% below tier average
  • - Efficiency ratio 5.49% above tier (higher cost structure)
  • - Net Charge-Off Rate: Bottom 4.1% in tier
  • - Average Member Relationship (AMR): Bottom 6.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Members 2,160
-1.3% YoY-0.1% QoQ
 -465 2,625
-2.2% YoY
 91,841
+6.6% YoY
 33,089
+6.1% YoY
 54th in tier
Assets $5.6M
-2.5% YoY-2.5% QoQ
 $-24.3M $29.9M
+1.1% YoY
 $1.5B
+5.5% YoY
 $547.7M
+7.8% YoY
 Bottom 21.3% in tier
Loans $4.2M
-6.2% YoY+2.1% QoQ
 $-11.5M $15.8M
-2.4% YoY
 $1.1B
+9.9% YoY
 $388.7M
+8.6% YoY
 30th in tier
Deposits $4.8M
-1.6% YoY-2.1% QoQ
 $-20.7M $25.5M
+0.4% YoY
 $1.3B
+12.1% YoY
 $464.6M
+9.3% YoY
 Bottom 22.7% in tier
ROA -0.6%
-11.7% YoY+42.6% QoQ
 -1.2% 0.7%
-731.4% YoY
 0.4%
-19.0% YoY
 0.7%
+273.4% YoY
 Bottom 8.3% in tier
NIM 6.4%
+4.0% YoY+2.7% QoQ
 +2.5% 3.9%
+3.8% YoY
 4.1%
+4.0% YoY
 3.7%
+5.0% YoY
 Top 2.7% in tier
Efficiency Ratio 86.9%
+1.9% YoY-1.5% QoQ
 +5.5% 81.4%
-2.4% YoY
 81.5%
-1.2% YoY
 79.1%
-3.3% YoY
 71st in tier
Delinquency Rate 1.1%
-26.1% YoY-34.0% QoQ
 -0.4 1.5%
-2.0% YoY
 1.5%
+2.4% YoY
 1.2%
-0.9% YoY
 63rd in tier
Loan To Share 88.9%
-4.6% YoY+4.3% QoQ
 +27.6% 61.2%
-3.0% YoY
 76.3%
+1.1% YoY
 68.0%
-1.7% YoY
 Top 12.2% in tier
AMR $4,170
-2.5% YoY-0.1% QoQ
 $-10K $14,627
-2.7% YoY
 $17,441
+4.0% YoY
 $19,418
+1.3% YoY
 Bottom 6.8% in tier
CD Concentration 26.8%
+8.4% YoY+4.4% QoQ
 +2.4% 24.4%
+4.2% YoY
 20.6%
+2.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.3%
-2.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 2596 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
70
Net Interest Margin (NIM)
profitability
Value: 6.43%
Peer Avg: 3.93%
#70 of 2596 Top 2.7% in <100M tier
300
Members Per Employee (MPE)
engagement
Value: 540.000
Peer Avg: 365.701
#300 of 2596 Top 11.5% in <100M tier
314
Loan-to-Share Ratio
balance_sheet
Value: 88.87%
Peer Avg: 61.23%
#314 of 2596 Top 12.1% in <100M tier
605
Fee Income Per Member
profitability
Value: $122.30
Peer Avg: $182.96
#605 of 2596 Top 23.3% in <100M tier

Top Weaknesses (8 metrics)

2491
Net Charge-Off Rate
risk
Value: 2.61%
Peer Avg: 0.57%
#2491 of 2596 Bottom 4.1% in <100M tier
2420
Average Member Relationship (AMR)
engagement
Value: $4,170
Peer Avg: $14,627
#2420 of 2596 Bottom 6.8% in <100M tier
2381
Return on Assets (ROA)
profitability
Value: -0.56%
Peer Avg: 0.68%
#2381 of 2596 Bottom 8.3% in <100M tier
2272
Loan-to-Member Ratio (LMR)
engagement
Value: $1,962
Peer Avg: $5,488
#2272 of 2596 Bottom 12.5% in <100M tier
2042
Total Assets
balance_sheet
Value: $5.57M
Peer Avg: $29.86M
#2042 of 2596 Bottom 21.4% in <100M tier
2040
Share Certificate Concentration (%)
balance_sheet
Value: 26.78%
Peer Avg: 15.37%
#2040 of 2596 Bottom 21.5% in <100M tier
2008
Total Deposits
balance_sheet
Value: $4.77M
Peer Avg: $25.45M
#2008 of 2596 Bottom 22.7% in <100M tier
1963
Asset Growth Rate
growth
Value: -2.46%
Peer Avg: 1.82%
#1963 of 2596 Bottom 24.4% in <100M tier