Liabilities / Assets
35th percentile
Higher debt load relative to assets than 35% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
35th percentile
Higher debt load relative to assets than 35% of similar nonprofits.
Liabilities / Revenue
84th percentile
Higher debt load relative to revenue than 84% of similar nonprofits.
Net Margin
46th percentile
Higher net margin than 46% of similar nonprofits.
Top Officer Pay
44th percentile
Higher top officer pay than 44% of similar nonprofits.
Top officer pay equals 10.8% of source-year revenue.
Asset Growth
36th percentile
Faster asset growth than 36% of similar nonprofits.
Revenue Growth
73rd percentile
Faster revenue growth than 73% of similar nonprofits.
Assets
Down$26,536,236
Down $1,260,526 (-4.5%) from 2022
Net Assets
Up$3,811,252
Up $122,513 (+3.3%) from 2022
Liabilities
Down$22,724,984
Down $1,383,039 (-5.7%) from 2022
Revenue
Up$969,240
Up $231,210 (+31%) from 2022
Expenses
Up$846,728
Up $182,972 (+28%) from 2022
Net Income
Up$122,512
Up $48,238 (+65%) from 2022
The credit union provides cost effective loans and shares,and a variety of banking services to our members.
CREDIT UNION
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $11,184,374 | $13,349,003 | ▲ $2,164,629 |
| Investments Program Related | $8,008,000 | $6,612,000 | ▼ $1,396,000 |
| Investments in Publicly Traded Securities | $4,843,003 | $4,594,568 | ▼ $248,435 |
| Rtn Earn Endowment Incm Other Fnds | $3,142,752 | $3,265,265 | ▲ $122,513 |
| Savings and Temporary Cash Investments | $3,277,907 | $1,484,952 | ▼ $1,792,955 |
| Cap Stk Tr Prin Current Funds | $545,987 | $545,987 | → $0 |
| Accounts Receivable | $67,167 | $89,455 | ▲ $22,288 |
| Cash and Non-Interest-Bearing Accounts | $129,334 | $82,519 | ▼ $46,815 |
| Land, Buildings, and Equipment, Net | $42,680 | $29,926 | ▼ $12,754 |
| Prepaid Expenses and Deferred Charges | $19,123 | $16,103 | ▼ $3,020 |
| Total Assets | $27,796,762 | $26,536,236 | ▼ $1,260,526 |
| Other Assets Total | $225,174 | $277,710 | ▲ $52,536 |
| Liabilities | |||
| Accounts Payable and Accrued Expenses | $24,076,149 | $22,713,110 | ▼ $1,363,039 |
| Other Liabilities | $31,874 | $11,874 | ▼ $20,000 |
| Total Liabilities | $24,108,023 | $22,724,984 | ▼ $1,383,039 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $3,688,739 | $3,811,252 | ▲ $122,513 |
| Total Liabilities and Net Assets / Fund Balance | $27,796,762 | $26,536,236 | ▼ $1,260,526 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $29,926 | $114,270 | $144,196 |
| Leasehold Improvements | - | $24,946 | $24,946 |
| Investment Program Related Org | $6,612,000 | - | - |
| Other Assets Org | $277,710 | - | - |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Joseph W Graham | Ceotreasurer | FT | $105,000 | $105,000 |
| Name | Title |
|---|---|
| Diane Juknavorian | President |
| Cameron Boyd | Director |
| Clementina Danese | Director |
| Joan Conca | Director |
| Pamela Carr | Director |
| Peter Kitsos | Director |
| Peter Shanahan | Director |
| Alan Ratte | Asst Treasurer |
| Kara Kosmes | Clerk |
| Line Item | Amount |
|---|---|
| Other Expenses | $466,079 |
| Salaries, Compensation, and Employee Benefits | $380,649 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $208,047 |
| Interest | - | - | - | $126,577 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $105,000 |
| Office Expenses | - | - | - | $48,992 |
| Other Employee Benefits | - | - | - | $43,766 |
| Depreciation Depletion | - | - | - | $15,693 |
| Other Expenses | - | - | - | $15,153 |
| Payroll Taxes | - | - | - | $14,761 |
| Conferences and Meetings | - | - | - | $13,261 |
| Occupancy | - | - | - | $12,049 |
| Advertising | - | - | - | $10,373 |
| Pension Plan Contributions | - | - | - | $9,075 |
| Insurance | - | - | - | $8,379 |
| Travel | - | - | - | $6,000 |
| Fees for Services Accounting | - | - | - | $5,340 |
| Fees for Services Other | - | - | - | $3,000 |
| Fees for Services Management | - | - | - | $2,571 |
| Fees for Services Legal | - | - | - | $920 |
| Total Functional Expenses | $0 | $0 | $0 | $846,728 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $846,727 |
| Total Expenses per Audited Statements | $846,727 |
| Total Expenses per Form 990 | $846,727 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Other Liabilities | $11,874 |
“Joseph w. Graham, the credit union ceo, is the nephew of cynthia”
“Graham, an employee of the credit union.”
“The credit union is owned by its members.”
“Credit union members elect their volunteer board of directors who are”
“Also members of the credit union. One member, one vote.”
“Any major changes to the credit union by-laws must be approved by the”
“MEMBERSHIP.”
“The 990 is reviewed by the ceo before filing is completed”
“Professional credit union compensation surveys are obtained and provided”
“To the board. The board uses this information in conjunction with a review”
“The cu by-laws are available upon request. Financial statements are”
“Posted in the cu lobby, policies are available upon request.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 24076149 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 22713110 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 67167 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 89455 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | CREDIT UNION |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 10373 |
| IRS990/BackupWthldComplianceInd | 0 | false |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | JOSEPH W GRAHAM |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 9783747386 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | PO BOX 383 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | HAVERHILL |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 01831 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 545987 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 545987 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 129334 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 82519 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 105000 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 13261 |
| IRS990/ConflictOfInterestPolicyInd | 0 | false |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 306657 |
| IRS990/CYOtherExpensesAmt | 0 | 466079 |
| IRS990/CYOtherRevenueAmt | 0 | 106379 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 556204 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 122512 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 380649 |
| IRS990/CYTotalExpensesAmt | 0 | 846728 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 969240 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 15693 |
| IRS990/Desc | 0 | THE CREDIT UNION HAS MEMBERS. THE CREDIT UNION PROVIDES DEPOSIT AND LENDING SERVICES. THE CREDIT UNION STRIVES TO KEEP THESE PRODUCTS AS LOW COST AND HIGH QUALITY AS POSSIBLE. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 5 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990/ExcsTaxSect4951Or4952Or4953Ind | 0 | false |
| IRS990/ExpenseAmt | 0 | 846727 |
| IRS990/FamilyOrBusinessRlnInd | 0 | true |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 5340 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 920 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 2571 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 3000 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.000 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.000 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.000 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.000 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.000 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.000 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2.000 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 2.000 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 2.000 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | JOSEPH W GRAHAM |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | CAMERON BOYD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JOAN CONCA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | CLEMENTINA DANESE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | DIANE JUKNAVORIAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | KARA KOSMES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | PETER KITSOS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | ALAN RATTE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | PAMELA CARR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | PETER SHANAHAN |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 105000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CEOTREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | CLERK |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | ASST TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/Form990TFiledInd | 0 | false |
| IRS990/FormationYr | 0 | 1937 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 10 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 969240 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | true |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 8379 |
| IRS990/InterestGrp/TotalAmt | 0 | 126577 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 306657 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 306657 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 8008000 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 6612000 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 4843003 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 4594568 |
| IRS990/IRPDocumentCnt | 0 | 285 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 139216 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 42680 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 29926 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 169142 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LobbyingActivitiesInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | THE CREDIT UNION PROVIDES COST EFFECTIVE LOANS AND SHARES, AND A VARIETY OF BANKING SERVICES TO ITS MEMBERS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 3688739 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 3811252 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 12049 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 48992 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 225174 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 277710 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 43766 |
| IRS990/OtherExpensesGrp/Desc | 0 | DATA PROCESSING |
| IRS990/OtherExpensesGrp/Desc | 1 | ATM EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN PROCESSING |
| IRS990/OtherExpensesGrp/Desc | 3 | MISC OPERATING EXPENSES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 125296 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 58702 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 13773 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 15153 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 31874 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 11874 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 900099 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | FEE INCOME |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 106379 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 106379 |
| IRS990/OtherRevenueTotalAmt | 0 | 106379 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 208047 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 11184374 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 13349003 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 14761 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 9075 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 19123 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 16103 |
| IRS990/PrincipalOfficerNm | 0 | JOSEPH W GRAHAM |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 900099 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 556204 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 556204 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 191667 |
| IRS990/PYOtherExpensesAmt | 0 | 308049 |
| IRS990/PYOtherRevenueAmt | 0 | 121553 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 424810 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 74274 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 355707 |
| IRS990/PYTotalExpensesAmt | 0 | 663756 |
| IRS990/PYTotalRevenueAmt | 0 | 738030 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 122512 |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | true |
| IRS990/RevenueAmt | 0 | 969241 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 3142752 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 3265265 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 3277907 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 1484952 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 29926 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 114270 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 144196 |
| IRS990ScheduleD/DisclosedForCharitablePrpsInd | 0 | false |
| IRS990ScheduleD/DisclosedOrgLegCtrlInd | 0 | false |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 846727 |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | false |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 6612000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | CDS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 24946 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 24946 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 277710 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | OTHER ASSETS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 11874 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | OTHER LIABILITIES |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 969241 |
| IRS990ScheduleD/Section170hRqrStsfdInd | 0 | false |
| IRS990ScheduleD/SolicitedAssetsSaleInd | 0 | false |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 29926 |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 277710 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 6612000 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 846727 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 11874 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 969241 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 969241 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 846727 |
| IRS990ScheduleD/WrittenPolicyMonitoringInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | JOSEPH W. GRAHAM, THE CREDIT UNION CEO, IS THE NEPHEW OF CYNTHIA |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | GRAHAM, AN EMPLOYEE OF THE CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE CREDIT UNION IS OWNED BY ITS MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | CREDIT UNION MEMBERS ELECT THEIR VOLUNTEER BOARD OF DIRECTORS WHO ARE |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | ALSO MEMBERS OF THE CREDIT UNION. ONE MEMBER, ONE VOTE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | ANY MAJOR CHANGES TO THE CREDIT UNION BY-LAWS MUST BE APPROVED BY THE |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | MEMBERSHIP. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE 990 IS REVIEWED BY THE CEO BEFORE FILING IS COMPLETED |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | PROFESSIONAL CREDIT UNION COMPENSATION SURVEYS ARE OBTAINED AND PROVIDED |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | TO THE BOARD. THE BOARD USES THIS INFORMATION IN CONJUNCTION WITH A REVIEW |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | THE CU BY-LAWS ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 11 | POSTED IN THE CU LOBBY, POLICIES ARE AVAILABLE UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Part VI Line 2 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Part VI Line 2 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Part VI Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Part VI Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Part VI Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Part VI Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Part VI Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Part VI Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Part VI Line 15a or b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Part VI Line 15a or b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | Part VI Line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 11 | Part VI Line 19 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | MA |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 27796762 |
| IRS990/TotalAssetsEOYAmt | 0 | 26536236 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 27796762 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 26536236 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 5 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 846728 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 24108023 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 22724984 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 24108023 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 22724984 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 3688739 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 3811252 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 846727 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 556204 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 105000 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 969240 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 969240 |
| IRS990/TotalVolunteersCnt | 0 | 12 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 27796762 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 26536236 |
| IRS990/TravelGrp/TotalAmt | 0 | 6000 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | PO BOX 383 |
| IRS990/USAddress/CityNm | 0 | HAVERHILL |
| IRS990/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/USAddress/ZIPCd | 0 | 01831 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 10 |
| IRS990/VotingMembersIndependentCnt | 0 | 9 |
| IRS990/WebsiteAddressTxt | 0 | HTMCREDITUNION.COM |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2024-10-15 13:58:12Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | false |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | JOSEPH W GRAHAM |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO MANAGER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 9783747386 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2024-10-08 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | HTM CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | HTMC |
| ReturnHeader/Filer/EIN | 0 | 042011587 |
| ReturnHeader/Filer/InCareOfNm | 0 | % JOSEPH W GRAHAM |
| ReturnHeader/Filer/PhoneNum | 0 | 9783747386 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | PO BOX 383 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | HAVERHILL |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MA |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 01831 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | false |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 7815561821 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2024-10-08 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | CHARLES R CONANT IV |
| ReturnHeader/PreparerPersonGrp/SelfEmployedInd | 0 | X |
| ReturnHeader/ReturnTs | 0 | 2024-10-08T12:53:44-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2023-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2023-12-31 |
| ReturnHeader/TaxYr | 0 | 2023 |
No mirrored PDF or thumbnail assets are attached yet.
Displayed year
2023 • Form 990Detailed filing. Detailed filing data is available for this year.