Civic Intelligence

Htm Credit Union

990 • Fiscal year 2019 • EIN 04-2011587

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 08, 2020

Organization ProfileHAVERHILLTCU.COM

View Organization Page

PO Box 383Haverhill, MA 01831

(978) 374-7386

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

36th percentile

0.83x

Higher debt load relative to assets than 36% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Liabilities / Revenue

82nd percentile

23.05x

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

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Net Margin

60th percentile

14%

Higher net margin than 60% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Top Officer Pay

70th percentile

$93,282

Higher top officer pay than 70% of similar nonprofits.

Top officer pay equals 12.4% of source-year revenue.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Asset Growth

47th percentile

1.4%

Faster asset growth than 47% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Revenue Growth

34th percentile

3.3%

Faster revenue growth than 34% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets36th percentile

Assets

Up

$20,769,282

Up $281,331 (+1.4%) from 2018

Net Assets

Up

$3,427,975

Up $104,014 (+3.1%) from 2018

Liabilities

Up

$17,341,307

Up $177,317 (+1.0%) from 2018

Revenue And Expenses
Liabilities / Revenue82nd percentileNet Margin60th percentile

Revenue

Up

$752,297

Up $24,182 (+3.3%) from 2018

Expenses

Up

$648,283

Up $18,480 (+2.9%) from 2018

Net Income

Up

$104,014

Up $5,702 (+5.8%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth47th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2019

Assets$20,769,282
Liabilities$17,341,307
Net Assets$3,427,975
Open 2019 Filing

Operations Trend

Revenue Growth34th percentile

Revenue, expenses, and net income across loaded years, with this 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

2019

Revenue$752,297
Expenses$648,283
Net Income$104,014
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 8, 2020
Return Version
2019v5.1
Gross Receipts
$752,297
Mission and Program Overview

Mission

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

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$9,882,418$10,116,573▲ $234,155
Investments Program Related$7,766,047$7,742,452▼ $23,595
Rtn Earn Endowment Incm Other Fnds$2,777,973$2,881,988▲ $104,015
Savings and Temporary Cash Investments$1,659,396$1,987,802▲ $328,406
Cap Stk Tr Prin Current Funds$545,988$545,987▼ $1
Investments in Publicly Traded Securities$799,640$499,785▼ $299,855
Cash and Non-Interest-Bearing Accounts$96,931$150,294▲ $53,363
Prepaid Expenses and Deferred Charges$51,270$42,809▼ $8,461
Land, Buildings, and Equipment, Net$11,952$5,686▼ $6,266
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$20,487,951$20,769,282▲ $281,331
Other Assets Total$220,297$223,881▲ $3,584
Liabilities
Accounts Payable and Accrued Expenses$17,147,639$17,292,852▲ $145,213
Other Liabilities$16,351$48,455▲ $32,104
Total Liabilities$17,163,990$17,341,307▲ $177,317
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,323,961$3,427,975▲ $104,014
Total Liabilities and Net Assets / Fund Balance$20,487,951$20,769,282▲ $281,331

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,686$90,593$96,279
Investment Program Related Org$7,742,452--
Compensation and Service Providers
Top Officer Pay70th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Diane L BevilacquaTreasurerFT$93,282$93,282

Board Members and Trustees

NameTitle
Diane JuknavorianPresident
Cameron BoydDirector
Carol MooradianDirector
Clementina DaneseDirector
Enrico SassoDirector
Joan ConcaDirector
John ButlerDirector
Kara KosmesDirector
Kristina HangesDirector
Pam CarrDirector
Ronald SelvaggioDirector
Alan RatteAsst Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$467,903
Investment Income
$198,289
Other Revenue
$86,105
Change in Net Assets
$104,014
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$344,868
Salaries, Compensation, and Employee Benefits$303,415
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$174,647
Current Officers, Directors, Trustees, and Key Employees---$93,282
Interest---$62,440
All Other Expenses---$41,014
Payroll Taxes---$21,834
Office Expenses---$17,665
Other Expenses---$16,244
Insurance---$10,824
Occupancy---$10,575
Depreciation Depletion---$10,344
Pension Plan Contributions---$9,900
Conferences and Meetings---$9,134
Advertising---$6,240
Other Employee Benefits---$3,752
Total Functional Expenses$0$0$0$648,283
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Payables$48,455
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
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
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is owned by its members.”

Form 990, Part VI, Section A, Line 7A

“Credit union members elect their volunteer board of directors who are also members of the credit union. One member, one vote.”

Form 990, Part VI, Section A, Line 7B

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

Form 990, Part VI, Section B, Line 11B

“The president/ceo reviews the form for accuracy. The credit union's outside cpa auditor reviews the form and makes any necessary corrections before electronically filing the report on the credit union's behalf. The 990 is availble for the board and supervisory comittee to review.”

Form 990, Part VI, Section B, Line 15

“Professional credit union compensation surveys are obtained and provided to the board. The board uses this information in conjunction with a review of the performance of the ceo to determine and appropriate compensation amount. The board votes on the ceo's compensation.”

Form 990, Part VI, Section C, Line 19

“The credit union's bylaws are available upon request. Financial statements are posted in the cu main lobby and are avaialble upon request. They can also be viewed on ncua's website.”

Filing and Contact Details

Filer

Filer Name
Htm Credit Union
EIN
04-2011587
Phone
9783747386
Address
PO BOX 383, HAVERHILL, MA 01831

Signing Officer

Name
Diane Bevilacqua
Title
CEO
Phone
9783747386
Signed
2020-11-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Diane Bevilacqua
Formed
1937
Legal Domicile
Ma
Voting Board Members
12
Independent Board Members
12
Employees
5
Volunteers
0

Preparer

Firm
Walsh & Co
Address
31 CHURCH STREET SUITE 2, WINCHESTER, MA 01890
Preparer
Michael J Walsh CPA
Phone
7817210295
Supplemental Narrative

Additional Explanations

Part XIII, Line 2C

“The credit union has an audit committee”

Raw XML Appendix389 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.

Path#Value
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IRS990/AccountsPayableAccrExpnssGrp/EOYAmt017292852
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0CREDIT UNION
IRS990/AdvertisingGrp/TotalAmt06240
IRS990/AllOtherExpensesGrp/TotalAmt041014
IRS990/AuditCommitteeInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0DIANE BEVILACQUA
IRS990/BooksInCareOfDetail/PhoneNum09783747386
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04 SUMMER STREET ROOM 3
IRS990/BooksInCareOfDetail/USAddress/CityNm0HAVERHILL
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IRS990/ConservationEasementsInd00
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
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IRS990/Form990PartVIISectionAGrp/PersonNm4CLEMENTINA DANESE
IRS990/Form990PartVIISectionAGrp/PersonNm5KRISTINA HANGES
IRS990/Form990PartVIISectionAGrp/PersonNm6DIANE JUKNAVORIAN
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IRS990/Form990PartVIISectionAGrp/PersonNm8CAROL MOORADIAN
IRS990/Form990PartVIISectionAGrp/PersonNm9ALAN RATTE
IRS990/Form990PartVIISectionAGrp/PersonNm10ENRICO SASSO
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IRS990/Form990PartVIISectionAGrp/PersonNm12PAM CARR
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9ASST TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
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IRS990/FSAuditedInd01
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IRS990/GrantsToOrganizationsInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
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IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/OtherExpensesGrp/Desc0DATA PROCESSING
IRS990/OtherExpensesGrp/Desc1ATM PROCESSING
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IRS990/OtherExpensesGrp/Desc3OTHER
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IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt021834
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt09900
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt051270
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt042809
IRS990/PrincipalOfficerNm0DIANE BEVILACQUA
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0467903
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0467903
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0189117
IRS990/PYOtherExpensesAmt0326120
IRS990/PYOtherRevenueAmt095816
IRS990/PYProgramServiceRevenueAmt0443182
IRS990/PYRevenuesLessExpensesAmt098312
IRS990/PYSalariesCompEmpBnftPaidAmt0303683
IRS990/PYTotalExpensesAmt0629803
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0728115
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0104014
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt0752297
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02777973
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02881988
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01659396
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01987802
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt05686
IRS990ScheduleD/EquipmentGrp/DepreciationAmt090593
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt096279
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt07742452
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INTEREST BEARING DEPOSITS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt048455
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER PAYABLES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05686
IRS990ScheduleD/TotalBookValueProgramRltdAmt07742452
IRS990ScheduleD/TotalLiabilityAmt048455
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS OWNED BY ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION MEMBERS ELECT THEIR VOLUNTEER BOARD OF DIRECTORS WHO ARE ALSO MEMBERS OF THE CREDIT UNION. ONE MEMBER, ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANY MAJOR CHANGES TO THE CREDIT UNION BY-LAWS MUST BE APPROVED BY THE MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PRESIDENT/CEO REVIEWS THE FORM FOR ACCURACY. THE CREDIT UNION'S OUTSIDE CPA AUDITOR REVIEWS THE FORM AND MAKES ANY NECESSARY CORRECTIONS BEFORE ELECTRONICALLY FILING THE REPORT ON THE CREDIT UNION'S BEHALF. THE 990 IS AVAILBLE FOR THE BOARD AND SUPERVISORY COMITTEE TO REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4PROFESSIONAL CREDIT UNION COMPENSATION SURVEYS ARE OBTAINED AND PROVIDED TO THE BOARD. THE BOARD USES THIS INFORMATION IN CONJUNCTION WITH A REVIEW OF THE PERFORMANCE OF THE CEO TO DETERMINE AND APPROPRIATE COMPENSATION AMOUNT. THE BOARD VOTES ON THE CEO'S COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION'S BYLAWS ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE CU MAIN LOBBY AND ARE AVAIALBLE UPON REQUEST. THEY CAN ALSO BE VIEWED ON NCUA'S WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION HAS AN AUDIT COMMITTEE
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6PART XIII, LINE 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt020487951
IRS990/TotalAssetsEOYAmt020769282
IRS990/TotalAssetsGrp/BOYAmt020487951
IRS990/TotalAssetsGrp/EOYAmt020769282
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt0648283
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt017163990
IRS990/TotalLiabilitiesEOYAmt017341307
IRS990/TotalLiabilitiesGrp/BOYAmt017163990
IRS990/TotalLiabilitiesGrp/EOYAmt017341307
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03323961
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03427975
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0648283
IRS990/TotalProgramServiceRevenueAmt0467903
IRS990/TotalReportableCompFromOrgAmt093282
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0752297
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0752297
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt020487951
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt020769282
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0HAVERHILL
IRS990/USAddress/CityNm0HAVERHILL
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd002148
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012
IRS990/WebsiteAddressTxt0HAVERHILLTCU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DIANE BEVILACQUA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09783747386
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-11-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HTM CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0HTMC
ReturnHeader/Filer/EIN0042011587
ReturnHeader/Filer/PhoneNum09783747386
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 383
ReturnHeader/Filer/USAddress/CityNm0HAVERHILL
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001831
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId02F238FF1480BFAC9B2B18A4F409931CE95DA5210
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0CACB3F6AC8165396680D92F57AA4BC065C015829
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt073.16.207.228
ReturnHeader/FilingSecurityInformation/IPDt02020-11-08
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ES
ReturnHeader/FilingSecurityInformation/IPTm011:42:17
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0043209238
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WALSH & CO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt031 CHURCH STREET SUITE 2
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WINCHESTER
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd001890
ReturnHeader/PreparerPersonGrp/PhoneNum07817210295
ReturnHeader/PreparerPersonGrp/PreparationDt02020-11-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL J WALSH CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02020-11-10T14:20:24-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$20,769,282
Liabilities
$17,341,307
Net assets
$3,427,975
Revenue
$752,297
Expenses
$648,283
Net income
$104,014
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