HSM
Federal • HICKORY, North Carolina • Est. 1977
Quick Facts
- Charter Number
- #22740
- Type
- Federal
- Established
- 1977
- Headquarters
- HICKORY, North Carolina 28603
- Address
- PO BOX 128
- Branches
- 1
- Members
- 2,160
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
2,160 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HSM |
|---|---|
| Total Assets | $5.7M |
| Members | 2,160 |
| Loans Outstanding | $4.2M |
| Shares & Deposits | $4.9M |
| Net Worth | $757K |
| Net Worth Ratio | 13.23% |
| Loan-to-Share Ratio | 86.5% |
| Delinquency Rate | 0.85% |
| Net Income | +$83,041 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
HICKORY SPRINGS FEDERAL CREDIT UNION
Main Office235 2ND AVE NW
HICKORY, NC 28601
Who Can Join HSM?
Membership Type: Community
Membership eligibility for HSM may vary. Contact the credit union directly to confirm qualification requirements.
Contact HSM directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View North Carolina RankingsFrequently Asked Questions
Yes. HSM is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, HSM has 2,160 members and a potential membership field of 3,300 people.
HSM's net worth ratio is 13.23% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.2%, HSM meets this threshold.
HSM operates 1 branch location. The main office is located at 235 2ND AVE NW, HICKORY, NC 28601.
HSM was established in 1977. It is a federal credit union chartered under charter number 22740. The institution has been serving members for 49 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HSM. All financial data is for informational purposes only.