Civic Intelligence

Haverhill Fire Department Credit Union Inc

EIN 04-2228208 • 501(c)14 • Haverhill, MA

Profile

CREDIT UNION

75 Kenoza AvenueHaverhill, MA 01830-4132

hfdcu.com

Siviq Scores

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

Liabilities / Assets

78th percentile

0.90x

Higher debt load relative to assets than 78% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Liabilities / Revenue

83rd percentile

21.44x

Higher debt load relative to revenue than 83% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Net Margin

43rd percentile

8.4%

Higher net margin than 43% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Top Officer Pay

72nd percentile

$148,936

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 13.2% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Asset Growth

63rd percentile

2.6%

Faster asset growth than 63% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Revenue Growth

52nd percentile

9.6%

Faster revenue growth than 52% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets78th percentile

Assets

Up

$26,859,612

Up $683,763 (+2.6%) from 2024

Liabilities

Up

$24,278,608

Up $588,673 (+2.5%) from 2024

Net Assets

Up

$2,581,004

Up $95,090 (+3.8%) from 2024

Operations
Liabilities / Revenue83rd percentileNet Margin43rd percentile

Revenue

Up

$1,132,187

Up $99,576 (+9.6%) from 2024

Expenses

Up

$1,037,097

Up $40,729 (+4.1%) from 2024

Net Income

Up

$95,090

Up $58,847 (+162%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth63rd percentile

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

$30M$20M$10M$0Assets 2010: $19,179,313Liabilities 2010: $17,090,392Net Assets 2010: $2,088,9212010Assets 2011: $19,076,172Liabilities 2011: $16,969,164Net Assets 2011: $2,107,0082011Assets 2012: $18,337,219Liabilities 2012: $16,222,397Net Assets 2012: $2,114,8222012Assets 2013: $17,131,737Liabilities 2013: $14,993,498Net Assets 2013: $2,138,2392013Assets 2014: $16,473,505Liabilities 2014: $14,311,522Net Assets 2014: $2,161,9832014Assets 2015: $16,910,990Liabilities 2015: $14,747,545Net Assets 2015: $2,163,4452015Assets 2016: $17,041,092Liabilities 2016: $14,901,670Net Assets 2016: $2,139,4222016Assets 2017: $17,920,850Liabilities 2017: $15,750,377Net Assets 2017: $2,170,4732017Assets 2018: $17,764,888Liabilities 2018: $15,523,526Net Assets 2018: $2,241,3622018Assets 2019: $18,381,315Liabilities 2019: $16,110,238Net Assets 2019: $2,271,0772019Assets 2020: $22,976,502Liabilities 2020: $20,704,240Net Assets 2020: $2,272,2622020Assets 2021: $24,009,817Liabilities 2021: $21,686,846Net Assets 2021: $2,322,9712021Assets 2022: $25,248,356Liabilities 2022: $22,864,740Net Assets 2022: $2,383,6162022Assets 2023: $24,837,825Liabilities 2023: $22,388,154Net Assets 2023: $2,449,6712023Assets 2024: $26,175,849Liabilities 2024: $23,689,935Net Assets 2024: $2,485,9142024Assets 2025: $26,859,612Liabilities 2025: $24,278,608Net Assets 2025: $2,581,0042025

Highlighted filing

2025

Assets$26,859,612
Liabilities$24,278,608
Net Assets$2,581,004
Open 2025 Filing

Operations Trend

Revenue Growth52nd percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $849,3672010Revenue 2011: $743,818Expenses 2011: $725,731Net Income 2011: $18,0872011Expenses 2012: $631,9792012Revenue 2013: $588,959Expenses 2013: $565,542Net Income 2013: $23,4172013Revenue 2014: $565,976Expenses 2014: $542,232Net Income 2014: $23,7442014Revenue 2015: $543,094Expenses 2015: $541,632Net Income 2015: $1,4622015Revenue 2016: $527,562Expenses 2016: $551,585Net Income 2016: -$24,0232016Revenue 2017: $554,316Expenses 2017: $523,265Net Income 2017: $31,0512017Revenue 2018: $636,547Expenses 2018: $565,658Net Income 2018: $70,8892018Revenue 2019: $610,117Expenses 2019: $580,402Net Income 2019: $29,7152019Revenue 2020: $562,824Expenses 2020: $561,639Net Income 2020: $1,1852020Revenue 2021: $636,298Expenses 2021: $585,589Net Income 2021: $50,7092021Revenue 2022: $738,862Expenses 2022: $678,217Net Income 2022: $60,6452022Revenue 2023: $921,738Expenses 2023: $849,431Net Income 2023: $72,3072023Revenue 2024: $1,032,611Expenses 2024: $996,368Net Income 2024: $36,2432024Revenue 2025: $1,132,187Expenses 2025: $1,037,097Net Income 2025: $95,0902025

Highlighted filing

2025

Revenue$1,132,187
Expenses$1,037,097
Net Income$95,090
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$26,859,612
Liabilities
$24,278,608
Net assets
$2,581,004
Revenue
$1,132,187
Expenses
$1,037,097
Net income
$95,090
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$26.9$24.3$2.58$1.13$1.04$0.10
2024Detailed filing. Detailed filing data is available for this year.$26.2$23.7$2.49$1.03$1.00$0.04
2023Detailed filing. Detailed filing data is available for this year.$24.8$22.4$2.45$0.92$0.85$0.07
2022Detailed filing. Detailed filing data is available for this year.$25.2$22.9$2.38$0.74$0.68$0.06
2021Detailed filing. Detailed filing data is available for this year.$24.0$21.7$2.32$0.64$0.59$0.05
2020Detailed filing. Detailed filing data is available for this year.$23.0$20.7$2.27$0.56$0.56$0.00
2019Detailed filing. Detailed filing data is available for this year.$18.4$16.1$2.27$0.61$0.58$0.03
2018Detailed filing. Detailed filing data is available for this year.$17.8$15.5$2.24$0.64$0.57$0.07
2017Detailed filing. Detailed filing data is available for this year.$17.9$15.8$2.17$0.55$0.52$0.03
2016Detailed filing. Detailed filing data is available for this year.$17.0$14.9$2.14$0.53$0.55$0.02
2015Detailed filing. Detailed filing data is available for this year.$16.9$14.7$2.16$0.54$0.54$0.00
2014Detailed filing. Detailed filing data is available for this year.$16.5$14.3$2.16$0.57$0.54$0.02
2013Detailed filing. Detailed filing data is available for this year.$17.1$15.0$2.14$0.59$0.57$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.3$16.2$2.11$0.63
2011Summary only. Only limited summary data is available for this year.$19.1$17.0$2.11$0.74$0.73$0.02
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.2$17.1$2.09$0.85
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 11, 2026
Return Version
2025v4.0
Gross Receipts
$1,157,109
Mission and Program Overview

Mission

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$16,991,723$15,969,792▼ $1,021,931
Savings and Temporary Cash Investments$7,584,775$9,006,232▲ $1,421,457
Rtn Earn Endowment Incm Other Fnds$2,485,914$2,581,004▲ $95,090
Land, Buildings, and Equipment, Net$789,856$799,524▲ $9,668
Cash and Non-Interest-Bearing Accounts$283,501$529,964▲ $246,463
Prepaid Expenses and Deferred Charges$161,342$188,682▲ $27,340
Total Assets$26,175,849$26,859,612▲ $683,763
Other Assets Total$364,652$365,418▲ $766
Liabilities
Other Liabilities$23,611,795$24,174,951▲ $563,156
Escrow Account Liability$63,449$68,974▲ $5,525
Accounts Payable and Accrued Expenses$14,691$34,683▲ $19,992
Total Liabilities$23,689,935$24,278,608▲ $588,673
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,485,914$2,581,004▲ $95,090
Total Liabilities and Net Assets / Fund Balance$26,175,849$26,859,612▲ $683,763

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$429,747$67,726$497,473
Land$264,800-$264,800
Equipment$104,977$158,583$263,560
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David ButtManager/treaFT$144,598$4,338$148,936
Tommie GarrettDirector/CUSPT$13,307-$13,307

Board Members and Trustees

NameTitle
Eric TarpyPresident
Brian RayDirector
Christopher JonesDirector
James HindsDirector
Jon StronachDirector
Rich ShelleneDirector
Richard WentworthDirector
Ted MazzottaDirector
Tyler DavidDirector
Rodney NutterVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$788,178
Investment Income
$284,057
Other Revenue
$59,952
Change in Net Assets
$95,090
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$678,759
Salaries, Compensation, and Employee Benefits$358,338
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$358,632
Current Officers, Directors, Trustees, and Key Employees---$162,243
Other Salaries and Wages---$160,067
Information Technology---$41,976
Payroll Taxes---$31,226
Occupancy---$29,801
Depreciation Depletion---$23,804
All Other Expenses---$18,391
Fees for Services Accounting---$18,000
Insurance---$15,318
Office Expenses---$14,625
Other Expenses---$9,328
Conferences and Meetings---$5,572
Pension Plan Contributions---$4,802
Advertising---$93
Total Functional Expenses$0$0$0$1,037,097
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Tommie GarrettDirectorBuilding MaintenanceNo$13,307
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$24,174,951
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
Yes
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Persons who meet the requirements of the organization's field of membership who hold at least one share of the capital.”

Form 990, Page 6, Part VI, Line 7A

“Each member has a vote at the election of the board of directors.”

Form 990, Page 6, Part VI, Line 7B

“Any changes to the incorporating documents, i.e. Bylaws are approved by the members.”

Form 990, Page 6, Part VI, Line 11B

“The manager reviews the form 990 prior to filing. The board of directors reviews later, as documented in the board minutes.”

Form 990, Page 6, Part VI, Line 12C

“The manager monitors transactions and the audit committee reviews staff accounts regularly.”

Form 990, Page 6, Part VI, Line 15A

“Board committee reviews economy and inflation statistics and makes a recommendation to the board of directors. The board of directors votes to approve any wage increase.”

Form 990, Page 6, Part VI, Line 15B

“Board committee reviews economy and inflation statistics and makes a recommendation to the board of directors. The board of directors votes to approve any wage increase.”

Form 990, Page 6, Part VI, Line 19

“Financial statements are posted in the lobby. Other documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Haverhill Fire Department
EIN
04-2228208
Phone
9783728833
Address
75 KENOZA AVENUE, HAVERHILL, MA 01830-4132

Signing Officer

Name
David Butt
Title
Manager/treasurer
Phone
9783728833
Signed
2026-03-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Butt
Formed
1933
Legal Domicile
Ma
Voting Board Members
12
Independent Board Members
11
Employees
5
Volunteers
10

Preparer

Firm
Mystic Accounting Group Llp
Address
PO BOX 397, MYSTIC, CT 06355
Preparer
Theodoros Poulopoulos
Phone
8605361040
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“Mortgage escrow accounts held for the payment of real estate taxes for municipalities.”

Schedule D, Page 3, Part X

“The credit union follows fasb accounting standards codification 740-10, accounting for uncertainties in income taxes, and has evaluated its tax positions taken for all open years and has determined that there are no uncertain tax positions that qualify for either recognition or disclosure.”

Raw XML Appendix380 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/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0true
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt067726
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IRS990ScheduleD/EquipmentGrp/BookValueAmt0104977
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0158583
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0263560
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IRS990ScheduleD/FootnoteTextInd0X
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0264800
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt024174951
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MORTGAGE ESCROW ACCOUNTS HELD FOR THE PAYMENT OF REAL ESTATE TAXES FOR MUNICIPALITIES.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION FOLLOWS FASB ACCOUNTING STANDARDS CODIFICATION 740-10, ACCOUNTING FOR UNCERTAINTIES IN INCOME TAXES, AND HAS EVALUATED ITS TAX POSITIONS TAKEN FOR ALL OPEN YEARS AND HAS DETERMINED THAT THERE ARE NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PERSONS WHO MEET THE REQUIREMENTS OF THE ORGANIZATION'S FIELD OF MEMBERSHIP WHO HOLD AT LEAST ONE SHARE OF THE CAPITAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EACH MEMBER HAS A VOTE AT THE ELECTION OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANY CHANGES TO THE INCORPORATING DOCUMENTS, I.E. BYLAWS ARE APPROVED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE MANAGER REVIEWS THE FORM 990 PRIOR TO FILING. THE BOARD OF DIRECTORS REVIEWS LATER, AS DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE MANAGER MONITORS TRANSACTIONS AND THE AUDIT COMMITTEE REVIEWS STAFF ACCOUNTS REGULARLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BOARD COMMITTEE REVIEWS ECONOMY AND INFLATION STATISTICS AND MAKES A RECOMMENDATION TO THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS VOTES TO APPROVE ANY WAGE INCREASE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6BOARD COMMITTEE REVIEWS ECONOMY AND INFLATION STATISTICS AND MAKES A RECOMMENDATION TO THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS VOTES TO APPROVE ANY WAGE INCREASE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY. OTHER DOCUMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01132187
IRS990/TotalVolunteersCnt010
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IRS990/USAddress/AddressLine1Txt075 KENOZA AVENUE
IRS990/USAddress/CityNm0HAVERHILL
IRS990/USAddress/StateAbbreviationCd0MA
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IRS990/WebsiteAddressTxt0HFDCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVID BUTT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum09783728833
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HAVERHILL FIRE DEPARTMENT
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0HAVE
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ReturnHeader/Filer/PhoneNum09783728833
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0472604526
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MYSTIC ACCOUNTING GROUP LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 397
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MYSTIC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd006355
ReturnHeader/PreparerPersonGrp/PhoneNum08605361040
ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0THEODOROS POULOPOULOS
ReturnHeader/ReturnTs02026-03-11T14:55:03-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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