Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on the latest valid filing.
Harvard University Employees Credit
EIN 04-6017806 • 501(c)14 • Cambridge, MA
Profile
Harvard university employees credit union aspires to be a trusted partner in our members' financial lives. We add value to membership by offering the best possible price, the highest quality personal service, and sincere, sound advice.the credit union seeks to be known as a community leader and to deepen its long standing commitment to housing issues, green initiatives, financial literacy and access to credit for low and moderate income borrowers. The credit union works toward transformational growth and change without relinquishing the core values we hold today. We are a not-for-profit cooperative which exists solely for the best interest of our members. We value integrity and responsibility in all of our actions. We strive to enhance our communities and create solutions for social, environmental and economic issues.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
No value available
Liabilities / Revenue
5th percentile
Tied with the lowest-debt nonprofits in its peer group.
Net Margin
31st percentile
Higher net margin than 31% of similar nonprofits.
Top Officer Pay
100th percentile
Higher top officer pay than 100% of similar nonprofits.
Top officer pay equals 2.6% of source-year revenue.
Asset Growth
5th percentile
Faster asset growth than 5% of similar nonprofits.
Revenue Growth
2nd percentile
Faster revenue growth than 2% of similar nonprofits.
Balance Sheet
Assets
Down$0
Down $1,212,810,381 (-100%) from 2023
Liabilities
Down$0
Down $1,115,826,833 (-100%) from 2023
Net Assets
Down$0
Down $96,983,548 (-100%) from 2023
Revenue
Down$24,885,772
Down $29,085,791 (-54%) from 2023
Expenses
Down$24,806,832
Down $25,817,824 (-51%) from 2023
Net Income
Down$78,940
Down $3,267,967 (-98%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $0
- Liabilities
- $0
- Net assets
- $0
- Revenue
- $24,885,772
- Expenses
- $24,806,832
- Net income
- $78,940
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to May 31, 2024
- Signed
- Oct 7, 2024
- Return Version
- 2023v5.1
- Gross Receipts
- $24,885,772
Mission and Program Overview
Mission
Harvard university employees credit union aspires to be a trusted partner in our members' financial lives. We add value to membership by offering the best possible price, the highest quality personal service, and sincere, sound advice.the credit union seeks to be known as a community leader and to deepen its long standing commitment to housing issues, green initiatives, financial literacy and access to credit for low and moderate income borrowers. The credit union works toward transformational growth and change without relinquishing the core values we hold today. We are a not-for-profit cooperative which exists solely for the best interest of our members. We value integrity and responsibility in all of our actions. We strive to enhance our communities and create solutions for social, environmental and economic issues.
Provide convenient financial and personal services in the best interest of our members, as well as educating our community about finances.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $1,063,754,833 | $0 | ▼ $1,063,754,833 |
| Rtn Earn Endowment Incm Other Fnds | $96,983,548 | $0 | ▼ $96,983,548 |
| Investments Other Securities | $78,800,901 | $0 | ▼ $78,800,901 |
| Cash and Non-Interest-Bearing Accounts | $25,323,245 | $0 | ▼ $25,323,245 |
| Savings and Temporary Cash Investments | $6,000,000 | $0 | ▼ $6,000,000 |
| Land, Buildings, and Equipment, Net | $2,635,256 | $0 | ▼ $2,635,256 |
| Accounts Receivable | $2,582,731 | $0 | ▼ $2,582,731 |
| Prepaid Expenses and Deferred Charges | $978,689 | $0 | ▼ $978,689 |
| Pledges and Grants Receivable | - | $0 | - |
| Receivable From Disqualified Prsn | - | $0 | - |
| Receivables From Officers Etc | - | $0 | - |
| Investments Program Related | - | $0 | - |
| Investments in Publicly Traded Securities | - | $0 | - |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Intangible Assets | - | $0 | - |
| Inventories for Sale or Use | - | $0 | - |
| Total Assets | $1,212,810,381 | $0 | ▼ $1,212,810,381 |
| Other Assets Total | $32,734,726 | $0 | ▼ $32,734,726 |
| Liabilities | |||
| Other Liabilities | $1,099,662,521 | $0 | ▼ $1,099,662,521 |
| Accounts Payable and Accrued Expenses | $10,340,048 | $0 | ▼ $10,340,048 |
| Escrow Account Liability | $5,824,264 | $0 | ▼ $5,824,264 |
| Total Liabilities | $1,115,826,833 | $0 | ▼ $1,115,826,833 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $96,983,548 | $0 | ▼ $96,983,548 |
| Total Liabilities and Net Assets / Fund Balance | $1,212,810,381 | $0 | ▼ $1,212,810,381 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Craig Leonard | President & CEO | FT | $450,000 | $201,070 | $651,070 |
| Thomas Montilli | Evp & Chief Experience Off | FT | $279,712 | $121,837 | $401,549 |
| John Degnan | SVP, Operations | FT | $239,505 | $91,690 | $331,195 |
| Katherine Armstrong | SVP, Chief Financial Officer | FT | $224,573 | $88,664 | $313,237 |
| Helen Laskaris | Mortgage Loan Originator | FT | $216,059 | $25,765 | $241,824 |
| Tanya Tanaro | VP, Education & Consumer Lending | FT | $161,865 | $60,938 | $222,803 |
| Sharon Cummings | Mortgage Loan Originator | FT | $191,077 | $27,021 | $218,098 |
| Jayne Matthews | Mortgage Loan Originator | FT | $154,818 | $58,543 | $213,361 |
| Michael Levine | Mortgage Loan Originator | FT | $164,638 | $24,613 | $189,251 |
Board Members and Trustees
| Name | Title |
|---|---|
| Jason Luke | Chair/director |
| Dee Dee Chen | Vice Chair/director |
| Karrie Ford | Vice Chair/director |
| April Edrington | Clerk/director |
| Gonzalo Sanz | Director |
| Harman Kaur | Director |
| John Lichten | Director |
| MARY ANN O'BRIEN | Director |
| Marty Ray | Director |
| Shahar Ziv | Director |
| Mary Straub | Treasurer/director |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Pscu | Data Processing | 560 CARILLON PARKWAY, St Petersburg, FL 33716 | $1,570,301 |
| Fiserv | Data Processing | PO BOX 99924, Grapevine, TX 76099 | $931,481 |
| Alkami Technology | Data Processing | PO BOX 122223, Dallas, TX 75312 | $383,619 |
| Adrenaline LLC | Build Brand Platform | 195 NEW HAMPSHIRE AVENUE SUITE 115, Portsmouth, NH 03801 | $372,530 |
| University Accounting Service LLC | Student Loan Processing | 250 N SUNNY SLOPE ROAD SUITE 110, Brookfield, WI 53005 | $217,222 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $23,632,130
- Investment Income
- $1,253,642
- Other Revenue
- $0
- Change in Net Assets
- $78,940
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $18,008,233 |
| Salaries, Compensation, and Employee Benefits | $6,709,163 |
| Grants and Similar Amounts Paid | $89,436 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Interest | - | - | - | $10,116,375 |
| Other Salaries and Wages | - | - | - | $3,640,075 |
| Other Employee Benefits | - | - | - | $1,619,389 |
| Information Technology | - | - | - | $1,598,556 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $1,449,699 |
| Occupancy | - | - | - | $1,191,559 |
| Depreciation Depletion | - | - | - | $523,375 |
| Advertising | - | - | - | $447,191 |
| Office Expenses | - | - | - | $320,265 |
| Fees for Services Other | - | - | - | $284,278 |
| Other Expenses | - | - | - | $219,963 |
| All Other Expenses | - | - | - | $191,577 |
| Conferences and Meetings | - | - | - | $122,796 |
| Grants to Domestic Orgs | - | - | - | $74,436 |
| Fees for Services Accounting | - | - | - | $53,188 |
| Insurance | - | - | - | $45,996 |
| Fees for Services Legal | - | - | - | $23,715 |
| Grants to Domestic Individuals | - | - | - | $15,000 |
| Total Functional Expenses | $0 | $0 | $0 | $24,806,832 |
International Activity
Grant and Assistance Recipients
| Recipient | Location | Category | Purpose | Amount |
|---|---|---|---|---|
| BRIGHAM & WOMEN'S HOSPITAL | Boston, MA | 501(c)(3) | Donation | $0 |
| Harvard Square Business Association | Cambridge, MA | 501(c)(3) | Donation | $0 |
| Phillips Brooks House Association | Cambridge, MA | 501(c)(3) | Donation | $0 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Insider Transactions and Loans
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | - | $0 | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $0 | - |
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
- No
- Material changes to governing documents
- Yes
- 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, Part VI, Section A, Line 4
“Harvard federal credit union f/k/a harvard university employee credit union petitioned the federal regulator of credit unions, the ncua to convert to a federal charter from a state charter. The credit union updated its bylaws due to this change.”
Form 990, Part VI, Section A, Line 6
“The credit union has approximately 55,000 members in its field of membership.”
Form 990, Part VI, Section A, Line 7A
“Each member has one voting right to cast at the annual meeting to elect the members of the board of directors. Five of fifteen directors are voted in each year.”
Form 990, Part VI, Section A, Line 7B
“Any bylaw changes must be approved by the members at the annual meeting. A special meeting may also be called to vote on a by law change.”
Form 990, Part VI, Section B, Line 11B
“The draft 990 is presented to the audit commitee prior to submission. The supervisory committee reviews the return and approves it for submission. The 990 will provided to any members of the governing body upon request.”
Form 990, Part VI, Section B, Line 12C
“The credit union has a conflict of interest policy in place. The board of directors review the conflict of interest policy annually.”
Form 990, Part VI, Section B, Line 15
“Each year the executive committee and personnel committee review the performance and position of the president/ceo. Independent credit union compensation data is referenced and utilized, as well as engaging independent compensation consultants, in determining compensation. The final salary recommendation is presented and approved by the board of directors.”
Form 990, Part VI, Section C, Line 19
“Bylaws, conflicts of interest policy, and financial statements are available upon request. Financial statements are posted in each branch monthly.”
Filing and Contact Details
Filer
- Filer Name
- Harvard Federal Credit Union
- EIN
- 04-6017806
- Phone
- 6174954460
- Address
- 104 MT AUBURN ST 4TH FLOOR, CAMBRIDGE, MA 02138
Signing Officer
- Name
- Craig E Leonard
- Title
- President & CEO
- Phone
- 6174954460
- Signed
- 2024-10-07
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Craig E Leonard
- Formed
- 1939
- Legal Domicile
- Ma
- Voting Board Members
- 11
- Independent Board Members
- 11
- Employees
- 162
- Volunteers
- 15
Preparer
- Firm
- Wolf & Company Pc
- Address
- 255 STATE STREET, BOSTON, MA 02109
- Preparer
- Karen S Ng
- Phone
- 6174399700
Supplemental Narrative
Additional Explanations
FORM 990, PART XI, LINE 9:
“Assets transferred -96,748,090.”
Form 990, Part XII, Financial Statements and Reporting
“Harvard federal credit union f/k/a harvard university employee credit union has a financial statement audit annually. Its last audit was for calendar year 2023. It opted not to peform an audit through the conversion date. Its next audit will be for calendar year 2024.”
Name Change
“Harvard university employee credit union petitioned the federal regulator of credit unions, the ncua to convert to a federal charter from a state charter. The credit union changed its name from harvard university employee credit union to harvard federal credit union.”
Financial Statement Notes
PART IV, LINE 2B:
“As part of the mortgage agreement, an escrow account is maintained for each mortgage where escrow of real estate taxes & home owners insurance is required. The credit union complies with all federal & state laws regarding disclosures and operation of these accounts.”
Raw XML AppendixShowing 400 of 711 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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|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 0 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 2582731 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | PROVIDE CONVENIENT FINANCIAL AND PERSONAL SERVICES IN THE BEST INTEREST OF OUR MEMBERS, AS WELL AS EDUCATING OUR COMMUNITY ABOUT FINANCES. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 447191 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 191577 |
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| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6174963535 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 104 MT AUBURN ST 4TH FLOOR |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | CAMBRIDGE |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 02138 |
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| IRS990/Desc | 0 | HARVARD FEDERAL CREDIT UNION F/K/A HARVARD UNIVERSITY EMPLOYEE CREDIT UNION (THE "CREDIT UNION") IS A CREDIT UNION ORGANIZED UNDER THE PROVISIONS OF THE MASSACHUSETTS CREDIT UNION ACT. PARTICIPATION IN THE CREDIT UNION IS LIMITED TO THOSE INDIVIDUALS WHO QUALIFY FOR MEMBERSHIP. THE FIELD OF MEMBERSHIP IS DEFINED IN THE CREDIT UNION'S CHARTER AND BYLAWS. THE CREDIT UNION PROVIDES A VARIETY OF FINANCIAL SERVICES TO MEMBERS. ITS PRIMARY LENDING PRODUCTS ARE RESIDENTIAL REAL ESTATE AND CONSUMER LOANS AND ITS PRIMARY SHARE PRODUCTS ARE CHECKING, SAVINGS AND TERM CERTIFICATE ACCOUNTS. THE CREDIT UNION HAS OVER 55,000 MEMBERS. THE MEMBERSHIP IS COMPRISED OF EMPLOYEES, FACULTY, STUDENTS, AND ALUMNI OF HARVARD UNIVERSITY AND ITS AFFILIATED HOSPITALS, INDIVIDUALS THAT LIVE, WORK, WORSHIP OR ATTEND SCHOOL IN AN ELIGIBLE CENSUS TRACT OR INDIVIDUALS THAT ARE MEMBERS OF THE FINANCIAL FITNESS ASSOCIATION. |
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| IRS990/EmployeeCnt | 0 | 162 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
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| 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/IndividualTrusteeOrDirectorInd | 10 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 6 | 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/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 94820 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 55587 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 48104 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 48840 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 25765 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 16 | 27021 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 17 | 37688 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 18 | 24613 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 19 | 36713 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | JASON LUKE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | KARRIE FORD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | DEE DEE CHEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | APRIL EDRINGTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | MARY STRAUB |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | MARTY RAY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | HARMAN KAUR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | MARY ANN O'BRIEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | GONZALO SANZ |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | SHAHAR ZIV |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | JOHN LICHTEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | CRAIG LEONARD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | THOMAS MONTILLI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | KATHERINE ARMSTRONG |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | JOHN DEGNAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | HELEN LASKARIS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 16 | SHARON CUMMINGS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 17 | TANYA TANARO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 18 | MICHAEL LEVINE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 19 | JAYNE MATTHEWS |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| 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/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 556250 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 345962 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 265133 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 282355 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 216059 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 191077 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 17 | 185115 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 18 | 164638 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 19 | 176648 |
| 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/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 18 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 19 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CHAIR/DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE CHAIR/DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | VICE CHAIR/DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | CLERK/DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | TREASURER/DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | PRESIDENT & CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | EVP & CHIEF EXPERIENCE OFF |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | SVP, CHIEF FINANCIAL OFFICER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | SVP, OPERATIONS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | MORTGAGE LOAN ORIGINATOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | MORTGAGE LOAN ORIGINATOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | VP, EDUCATION & CONSUMER LENDING |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 18 | MORTGAGE LOAN ORIGINATOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 19 | MORTGAGE LOAN ORIGINATOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1939 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 11 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 15000 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 74436 |
| IRS990/GrantsToIndividualsInd | 0 | 1 |
| IRS990/GrantsToOrganizationsInd | 0 | 1 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 24885772 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 11 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 24 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 1598556 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 45996 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 10116375 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 1253642 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1253642 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 78800901 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 16086 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 0 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 2635256 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 0 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 0 |
| IRS990/LegalDomicileStateCd | 0 | MA |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | HARVARD FEDERAL CREDIT UNION F/K/A HARVARD UNIVERSITY EMPLOYEE CREDIT UNION ASPIRES TO BE A TRUSTED PARTNER IN OUR MEMBERS' FINANCIAL LIVES. WE ADD VALUE TO MEMBERSHIP BY OFFERING THE BEST POSSIBLE PRICE, THE HIGHEST QUALITY PERSONAL SERVICE, AND SINCERE, SOUND ADVICE.THE CREDIT UNION SEEKS TO BE KNOWN AS A COMMUNITY LEADER AND TO DEEPEN ITS LONG STANDING COMMITMENT TO HOUSING ISSUES, GREEN INITIATIVES, FINANCIAL LITERACY AND ACCESS TO CREDIT FOR LOW AND MODERATE INCOME BORROWERS. THE CREDIT UNION WORKS TOWARD TRANSFORMATIONAL GROWTH AND CHANGE WITHOUT RELINQUISHING THE CORE VALUES WE HOLD TODAY. WE ARE A NOT-FOR-PROFIT COOPERATIVE WHICH EXISTS SOLELY FOR THE BEST INTEREST OF OUR MEMBERS. WE VALUE INTEGRITY AND RESPONSIBILITY IN ALL OF OUR ACTIONS. WE STRIVE TO ENHANCE OUR COMMUNITIES AND CREATE SOLUTIONS FOR SOCIAL, ENVIRONMENTAL AND ECONOMIC ISSUES. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NameChangeInd | 0 | X |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 96983548 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 0 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -314398 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 1191559 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 320265 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 32734726 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 0 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -96748090 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 1619389 |
| IRS990/OtherExpensesGrp/Desc | 0 | LOAN SERVICING EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOSSES |
| IRS990/OtherExpensesGrp/Desc | 2 | OTHER SERVICE CONTRACTS |
| IRS990/OtherExpensesGrp/Desc | 3 | MISC EXPENSES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 1848569 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 800000 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 220830 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 219963 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 1099662521 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 3640075 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 1063754833 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 0 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 978689 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 0 |
| IRS990/PrincipalOfficerNm | 0 | CRAIG E LEONARD |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | BANK FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 20818866 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 2813264 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 20818866 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 2813264 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 135572 |
| IRS990/PYInvestmentIncomeAmt | 0 | 3255926 |
| IRS990/PYOtherExpensesAmt | 0 | 34681971 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 50715637 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 3346907 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 15807113 |
| IRS990/PYTotalExpensesAmt | 0 | 50624656 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 53971563 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 78940 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 0 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 0 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 96983548 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 0 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 6000000 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 0 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | AS PART OF THE MORTGAGE AGREEMENT, AN ESCROW ACCOUNT IS MAINTAINED FOR EACH MORTGAGE WHERE ESCROW OF REAL ESTATE TAXES & HOME OWNERS INSURANCE IS REQUIRED. THE CREDIT UNION COMPLIES WITH ALL FEDERAL & STATE LAWS REGARDING DISCLOSURES AND OPERATION OF THESE ACCOUNTS. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART IV, LINE 2B: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 0 |
| IRS990ScheduleI/GrantRecordsMaintainedInd | 0 | 0 |
| IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt | 0 | 15000 |
| IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt | 0 | SCHOLARSHIPS |
| IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/NonCashAssistanceAmt | 0 | 0 |
| IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt | 0 | 10 |
| IRS990ScheduleI/RecipientTable/CashGrantAmt | 0 | 0 |
| IRS990ScheduleI/RecipientTable/CashGrantAmt | 1 | 0 |
| IRS990ScheduleI/RecipientTable/CashGrantAmt | 2 | 0 |
| IRS990ScheduleI/RecipientTable/IRCSectionDesc | 0 | 501(C)(3) |
| IRS990ScheduleI/RecipientTable/IRCSectionDesc | 1 | 501(C)(3) |
| IRS990ScheduleI/RecipientTable/IRCSectionDesc | 2 | 501(C)(3) |
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