Hsm
Hsm is a credit union based in Hickory, North Carolina, established in 1977, with $6 million in total assets serving 2,137 members. By Trust Grade it ranks 4th of 57 credit unions we track in North Carolina. Its net worth ratio of 13.3% trails most similarly sized credit unions (43th percentile), versus a North Carolina median of 12.7%. It was profitable over the most recent period, with a 1.07% return on assets. No consumer complaints against Hsm appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Hsm compares to North Carolina peers
How we graded Hsm
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.3% capital ratio)
- Strongly profitable (ROA 1.07%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Hsm over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Hsm insured?
Yes. Hsm is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Hsm: frequently asked questions
Is Hsm a good credit union?
Hsm earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.3% capital ratio); Strongly profitable (ROA 1.07%).
Is Hsm NCUA-insured?
Yes. Hsm is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Hsm?
Hsm holds $6 million in total assets, ranking 4th of 57 credit unions we track in North Carolina. It serves 2,137 members.
Does Hsm have CFPB complaints?
No CFPB complaints against Hsm appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
