# HTM
Haverhill, MA · NCUA charter 67749 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/htm-67749

Who the members are: state charter, organized 1937. 1,792 members of 10,000 potential (17.9% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $29.5M |
| Members | 1,792 (0.2% YoY) |
| Full-time staff | 4 |
| Net worth | $4.0M |
| Net worth ratio | 13.7% (p42 of band) |
| ROA (annualized) | 0.68% (p55 of band) |
| Total delinquency | 0.04% (p20 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 60% (p53 of band) |
| Cash / assets | 35.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.00% (p19 of band) |
| Operating expense / assets | 2.66% (p23 of band) |
| Vehicles % of loans | 29% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 34% |
| Average share balance | $8,285 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $17,369 |
| Loans granted, annualized | $8.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, delinquency rising |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 | loan book shrinking | net worth falling |
| 2021-12 | 1 | members leaving | loan book shrinking |
| 2022-03 | 3 | net worth falling, delinquency rising |  |
| 2022-06 | 2 |  | delinquency rising |
| 2022-09 | 2 | delinquency rising | members leaving |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 0 |  | net worth falling |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | delinquency rising, assets shrinking |  |
| 2024-03 | 0 |  | delinquency rising, assets shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 2 | net worth falling, delinquency rising |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-06 [Massachusetts Credit Union Completes Buy of Maryland’s Peoples Bank, Insurance - Insurance Journal](https://news.google.com/rss/articles/CBMickFVX3lxTFBTWVBIMDNoNXhLajYzMUVGenFCTzJ0MTBrc2JjSTBGYWxEcGFQbHgyeHVMQi0yYm5fal9SN2JfNG1wRzZIRXlFaXdBaUFLeUVoUENtbzNsd0s0SnY3NUMtbXlqcnVuNVpDR1V2NnpSQmlXQQ?oc=5) · Insurance Journal
- 2015-01-20 [Credit Unions Make Friends—But Not with Bankers - Federal Reserve Bank of St. Louis](https://news.google.com/rss/articles/CBMiugFBVV95cUxONEhhRTByVlk2TGFmTy1RYWxzLVktS0hNVmxEY0ZBTzVQNEVaaWNHeElGSi1QVGZTN21Sa0lrREUwcXo0eFlpblNqSklLVVItWjdyVnc5QVE2WHNaSnBZVWd0Tk9qYnJPRDE2WW9qbTFxVUVsVi1MbVhkbk9HSUZLOWRTWG5zSHNRcG9iVmdsMnZzRktNY0RtODEtUl80RFQwY2dWajhCXzY1SDNOZV9Jb3RGc0FEbzBnQVE?oc=5) · Federal Reserve Bank of St. Louis
- 2017-10-16 [How Credit Unions Work - HowStuffWorks](https://news.google.com/rss/articles/CBMifkFVX3lxTE1iREhlQnZHemtLNjd1YXlmdVpDZjdxQi1WX1phR2FTZkxmTXZ1M0hjR1JiRE0xR2ZVcTNZYkp4bkl6VTdORFhTNV9pVi1QMEpkMXpBTWZOdkM2OW5TSXdwbGNqWVBpRklxLXhvSDhrSGR1VEJlVXB2bHhuZkxuQQ?oc=5) · HowStuffWorks
- 2010-01-25 [“PJ Bandit” Serial Bank Robber Now Believed Responsible for 13 Bank Robberies - fbi.gov](https://news.google.com/rss/articles/CBMia0FVX3lxTE9TRU5jNDdtRGFpSGdaaWd3Wmc0WEZ3dXVyMTc5YjU5eUZiaEtjemFWbGkwS1VJUnBOSkVsRjNJeFRrSWtteEdyQVdrMmlnZnpXeTMtOHJYZkR3N0kwMTZBRDBIRW5pNGpUY3pF?oc=5) · fbi.gov
- 2024-11-18 [Empeople Credit Union opens up branch in downtown Biddeford - Saco Bay News](https://news.google.com/rss/articles/CBMikAFBVV95cUxNMGF4elZxVjNGUFF6M01zOUNMTjU2YVpwWm4wbGk5RFVCMC12VUxiX1FlLUlYOFN1dXpnRHVOMkRwbk5TcVdsQ1ptNlU2a0toeTVKUmRsQlpnQmZBZ0FIMmxUOWRTOGNuU1Y5TzMtR3JEMnZQdWU0Y2dqa2pjNTI3RGdTaDBCaU83aTNIR3Z4SUs?oc=5) · Saco Bay News
- 2020-08-29 [James F. "Tweed" Beck Obituary Aug 29, 2020 - Hogenkamp Funeral Homes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE8ycDY5ZFFWWC1UaFFFbkhwWWE5SW8yalRsMGZCcVctOG9qbXhoa2lGaXNqdEJqZHhXaS0xLTlDbWhEUE4xM2ozcGEzX2p1TUpiNHZMa0lPQWNZekNsSHc?oc=5) · Hogenkamp Funeral Homes
- 2012-10-03 [What credit card offers and rewards are best for you? - Consumer Reports](https://news.google.com/rss/articles/CBMilgFBVV95cUxQRXRnOEFwU3BBbldUNmNlVXVNNjhjdERaR3ROUXFyTVZja3AyRUFhaks2RjFtQlJKTFJ2eUlpSmJTRFhYRk1VYndUaW5aNUowSGQ2d0JneG16WGdxLXZQN0dTYTZQNl9TSW5pSjBFNW9mQmNFX3lzbFd5R0RjSy1kY1dZcWl6OEVybTM1OGRRdW01empuWlE?oc=5) · Consumer Reports
- 2009-12-16 [“PJ Bandit” Serial Bank Robber Believed Responsible for Eight Bank Robberies - fbi.gov](https://news.google.com/rss/articles/CBMibEFVX3lxTE1weEVwYURCZHExN05fODVGNEdxQUdhdG1jaFhZRWFDNTJkSXdaaHdiUGRNNHBoOU85RVJMLUlYbzVWbW5HTmNyUm4zd0dheUJ2MlUxS2REWU5zSkhOYVRvU0t0YUNHMjJFcThhUg?oc=5) · fbi.gov

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67749 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/37.json (key "67749", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67749
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide