HSM
Charter #22740 · HICKORY, NC · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,137 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.08% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.26% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 26th — a 43-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HSM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.80M | 69th pct | 26th pct |
| Members | 2,137 | 98th pct | 80th pct |
| Net worth ratio | 13.31% | 28th pct | 48th pct |
| Return on average assets | 1.08% | 74th pct | 77th pct |
| Net interest margin | 6.26% | 92th pct | 93th pct |
| Cost of funds | 1.13% | 69th pct | 49th pct |
| Loan-to-share | 85.73% | 84th pct | 61th pct |
| Delinquency 60+ days | 0.64% | 45th pct | 43th pct |
| Net charge-off ratio | 0.53% | 82th pct | 62th pct |
| Loan growth YoY | -1.11% | 69th pct | 51th pct |
| Share growth YoY | 2.52% | 68th pct | 43th pct |
| Efficiency ratio | 86.55% | 51th pct | 59th pct |
structural peer set hash: 79e1da1b6dc8f2a562ed8f32efe6442d… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.