Civic Intelligence

Htm Credit Union

EIN 04-2011587 • 501(c)14 • Haverhill, MA

View Organization Page

Profile

The credit union provides cost effective loans and shares, and a variety of banking services to its members.

PO Box 383Haverhill, MA 01831

htmcreditunion.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

41st percentile

0.86x

Higher debt load relative to assets than 41% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

82nd percentile

21.10x

Higher debt load relative to revenue than 82% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

37th percentile

6.1%

Higher net margin than 37% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

39th percentile

$105,000

Higher top officer pay than 39% of similar nonprofits.

Top officer pay equals 9.6% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

52nd percentile

1.2%

Faster asset growth than 52% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

63rd percentile

12%

Faster revenue growth than 63% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets41st percentile

Assets

Up

$26,860,212

Up $323,976 (+1.2%) from 2023

Liabilities

Up

$22,982,489

Up $257,505 (+1.1%) from 2023

Net Assets

Up

$3,877,723

Up $66,471 (+1.7%) from 2023

Operations
Liabilities / Revenue82nd percentileNet Margin37th percentile

Revenue

Up

$1,089,013

Up $119,773 (+12%) from 2023

Expenses

Up

$1,022,542

Up $175,814 (+21%) from 2023

Net Income

Down

$66,471

Down $56,041 (-46%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth52nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $16,437,302Liabilities 2010: $13,551,670Net Assets 2010: $2,885,6322010Assets 2011: $16,546,698Liabilities 2011: $13,611,707Net Assets 2011: $2,934,9912011Assets 2012: $17,529,536Liabilities 2012: $14,541,581Net Assets 2012: $2,987,9552012Assets 2013: $17,580,107Liabilities 2013: $14,542,310Net Assets 2013: $3,037,7972013Assets 2014: $17,745,194Liabilities 2014: $14,655,512Net Assets 2014: $3,089,6822014Assets 2015: $17,953,352Liabilities 2015: $14,809,941Net Assets 2015: $3,143,4112015Assets 2016: $19,422,978Liabilities 2016: $16,236,860Net Assets 2016: $3,186,1182016Assets 2017: $19,916,822Liabilities 2017: $16,691,173Net Assets 2017: $3,225,6492017Assets 2018: $20,487,951Liabilities 2018: $17,163,990Net Assets 2018: $3,323,9612018Assets 2019: $20,769,282Liabilities 2019: $17,341,307Net Assets 2019: $3,427,9752019Assets 2020: $22,664,500Liabilities 2020: $19,178,199Net Assets 2020: $3,486,3012020Assets 2021: $25,480,223Liabilities 2021: $21,844,026Net Assets 2021: $3,636,1972021Assets 2022: $27,796,762Liabilities 2022: $24,108,023Net Assets 2022: $3,688,7392022Assets 2023: $26,536,236Liabilities 2023: $22,724,984Net Assets 2023: $3,811,2522023Assets 2024: $26,860,212Liabilities 2024: $22,982,489Net Assets 2024: $3,877,7232024

Highlighted filing

2024

Assets$26,860,212
Liabilities$22,982,489
Net Assets$3,877,723
Open 2024 Filing

Operations Trend

Revenue Growth63rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0Expenses 2010: $654,8992010Expenses 2011: $595,8172011Expenses 2012: $594,0332012Revenue 2013: $622,184Expenses 2013: $572,342Net Income 2013: $49,8422013Revenue 2014: $596,719Expenses 2014: $544,834Net Income 2014: $51,8852014Revenue 2015: $599,589Expenses 2015: $545,860Net Income 2015: $53,7292015Revenue 2016: $621,222Expenses 2016: $578,515Net Income 2016: $42,7072016Revenue 2017: $669,135Expenses 2017: $629,604Net Income 2017: $39,5312017Revenue 2018: $728,115Expenses 2018: $629,803Net Income 2018: $98,3122018Revenue 2019: $752,297Expenses 2019: $648,283Net Income 2019: $104,0142019Revenue 2020: $700,270Expenses 2020: $641,944Net Income 2020: $58,3262020Revenue 2021: $756,993Expenses 2021: $607,097Net Income 2021: $149,8962021Revenue 2022: $738,030Expenses 2022: $663,756Net Income 2022: $74,2742022Revenue 2023: $969,240Expenses 2023: $846,728Net Income 2023: $122,5122023Revenue 2024: $1,089,013Expenses 2024: $1,022,542Net Income 2024: $66,4712024

Highlighted filing

2024

Revenue$1,089,013
Expenses$1,022,542
Net Income$66,471
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$26,860,212
Liabilities
$22,982,489
Net assets
$3,877,723
Revenue
$1,089,013
Expenses
$1,022,542
Net income
$66,471
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$26.9$23.0$3.88$1.09$1.02$0.07
2023Detailed filing. Detailed filing data is available for this year.$26.5$22.7$3.81$0.97$0.85$0.12
2022Detailed filing. Detailed filing data is available for this year.$27.8$24.1$3.69$0.74$0.66$0.07
2021Detailed filing. Detailed filing data is available for this year.$25.5$21.8$3.64$0.76$0.61$0.15
2020Detailed filing. Detailed filing data is available for this year.$22.7$19.2$3.49$0.70$0.64$0.06
2019Detailed filing. Detailed filing data is available for this year.$20.8$17.3$3.43$0.75$0.65$0.10
2018Detailed filing. Detailed filing data is available for this year.$20.5$17.2$3.32$0.73$0.63$0.10
2017Detailed filing. Detailed filing data is available for this year.$19.9$16.7$3.23$0.67$0.63$0.04
2016Detailed filing. Detailed filing data is available for this year.$19.4$16.2$3.19$0.62$0.58$0.04
2015Detailed filing. Detailed filing data is available for this year.$18.0$14.8$3.14$0.60$0.55$0.05
2014Detailed filing. Detailed filing data is available for this year.$17.7$14.7$3.09$0.60$0.54$0.05
2013Detailed filing. Detailed filing data is available for this year.$17.6$14.5$3.04$0.62$0.57$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.5$14.5$2.99$0.59
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.5$13.6$2.93$0.60
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.4$13.6$2.89$0.65
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 31, 2025
Return Version
2024v5.2
Gross Receipts
$1,089,013
Mission and Program Overview

Mission

The credit union provides cost effective loans and shares, and a variety of banking services to its members.

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$13,349,003$13,845,072▲ $496,069
Investments Program Related$6,612,000$5,816,000▼ $796,000
Investments in Publicly Traded Securities$4,594,568$4,096,154▼ $498,414
Rtn Earn Endowment Incm Other Fnds$3,265,265$3,331,736▲ $66,471
Savings and Temporary Cash Investments$1,484,952$2,568,672▲ $1,083,720
Cap Stk Tr Prin Current Funds$545,987$545,987→ $0
Accounts Receivable$89,455$126,915▲ $37,460
Cash and Non-Interest-Bearing Accounts$82,519$101,781▲ $19,262
Prepaid Expenses and Deferred Charges$16,103$27,562▲ $11,459
Land, Buildings, and Equipment, Net$29,926$19,439▼ $10,487
Total Assets$26,536,236$26,860,212▲ $323,976
Other Assets Total$277,710$258,617▼ $19,093
Liabilities
Accounts Payable and Accrued Expenses$22,713,110$23,036,880▲ $323,770
Other Liabilities$11,874$-54,391▼ $66,265
Total Liabilities$22,724,984$22,982,489▲ $257,505
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,811,252$3,877,723▲ $66,471
Total Liabilities and Net Assets / Fund Balance$26,536,236$26,860,212▲ $323,976

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$5,816,000--
Equipment$19,439$124,757-
Leasehold Improvements-$24,946-
Compensation and Service Providers
Top Officer Pay39th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Joseph W GrahamCEOFT$105,000$105,000

Board Members and Trustees

NameTitle
Alan RatteVice President
Casey RiceDirector
Clementina DaneseDirector
Diane JuknavorianDirector
John ButlerDirector
Marc HarveyDirector
Pamela CarrDirector
Peter KitsosDirector
Peter ShanahanAsst Treasurer
Kara KosmesClerk
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$690,666
Investment Income
$297,097
Other Revenue
$101,250
Change in Net Assets
$66,471
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$613,895
Salaries, Compensation, and Employee Benefits$408,647
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$245,958
Other Salaries and Wages---$226,386
Current Officers, Directors, Trustees, and Key Employees---$105,000
Office Expenses---$52,271
Other Employee Benefits---$36,959
Payroll Taxes---$27,402
Other Expenses---$21,163
Advertising---$17,586
Pension Plan Contributions---$12,900
Occupancy---$12,350
Conferences and Meetings---$11,708
Depreciation Depletion---$10,487
Insurance---$9,973
Fees for Services Accounting---$6,000
Travel---$6,000
Fees for Services Management---$2,602
Fees for Services Other---$2,250
Fees for Services Legal---$800
Total Functional Expenses$0$0$0$1,022,542
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liabilities$-54,391
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI Line 6

“The credit union is owned by its members”

Part VI Line 7A

“Credit union members elect their volunteer board of directors who are”

Part VI Line 7A

“Also members of the credit union. One member, one vote.”

Part VI Line 7B

“Any changes to the credit union by-laws must be approved by the”

Part VI Line 7B

“MEMBERSHIP”

Part VI Line 11B

“The 990 is reviewed by the ceo before filing is completed”

Part VI Line 19

“The cu by-laws are available upon request. Financial statements are”

Part VI Line 19

“Posted in the cu lobby, policies are available upon request.”

Filing and Contact Details

Filer

Filer Name
Htm Credit Union
EIN
04-2011587
In Care Of
% JOSEPH W GRAHAM
Phone
9783747386
Address
PO BOX 383, HAVERHILL, MA 01831

Signing Officer

Name
Joseph W Graham
Title
CEO
Phone
9783747386
Signed
2025-10-31
Discuss with paid preparer
No

Organization Details

Principal Officer
Joseph W Graham
Formed
1937
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
10
Employees
5
Volunteers
8

Preparer

Preparer
Charles R Conant Iv
Phone
7815561821
Raw XML Appendix384 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9ASST TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS OWNED BY ITS MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION MEMBERS ELECT THEIR VOLUNTEER BOARD OF DIRECTORS WHO ARE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALSO MEMBERS OF THE CREDIT UNION. ONE MEMBER, ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ANY CHANGES TO THE CREDIT UNION BY-LAWS MUST BE APPROVED BY THE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE 990 IS REVIEWED BY THE CEO BEFORE FILING IS COMPLETED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CU BY-LAWS ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7POSTED IN THE CU LOBBY, POLICIES ARE AVAILABLE UPON REQUEST.
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IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 383
IRS990/USAddress/CityNm0HAVERHILL
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0JOSEPH W GRAHAM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09783747386
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-31
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HTM CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0HTMC
ReturnHeader/Filer/EIN0042011587
ReturnHeader/Filer/InCareOfNm0% JOSEPH W GRAHAM
ReturnHeader/Filer/PhoneNum09783747386
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 383
ReturnHeader/Filer/USAddress/CityNm0HAVERHILL
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
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ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerPersonGrp/PhoneNum07815561821
ReturnHeader/PreparerPersonGrp/PreparationDt02025-10-31
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHARLES R CONANT IV
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-10-31T08:08:49-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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