Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2024.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Who runs it and what they're paid
11 people listed on the 990; $105K paid to officers and key staff (Part VII, Section A).
Compensation history total reportable pay by year · 2 named individuals · Part VII
| Name | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Joseph W Graham | $105,000 | $105,000 | $57,692 | — | — |
| Diane L Bevilacqua | — | — | — | $95,608 | $100,245 |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
See Htm Credit Union executive salaries →Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
Programs and updates
Htm Credit Union is a member-serving organization based in Haverhill, MA.
Questions for Htm Credit Union
Your first name shows with your question. Htm Credit Union answers here, for everyone.
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.
Form 990 Part III, line 4, FY2024. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 04-2011587) · Dispute this lineBy the numbers
The FY2024 990, line by line.
Download 990
| Line | Start FY24 | End FY24 |
|---|---|---|
| Cash and savingsLn 1–2 | $1.6M | $2.7M |
| InvestmentsLn 11–13 | $11.2M | $9.9M |
| Land, buildings, equipmentLn 10c | $30K | $19K |
| Total assetsLn 16 | $26.5M | $26.9M |
| LiabilitiesLn 26 | $22.7M | $23.0M |
| Net assetsLn 32 | $3.8M | $3.9M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Pay of officers and key staff (Part IX, line 5)Ln 5 | $105K | |||
| Other salaries and wagesLn 7 | $226K | |||
| Pension plan contributionsLn 8 | $13K | |||
| Other employee benefitsLn 9 | $37K | |||
| Payroll taxesLn 10 | $27K | |||
| Management feesLn 11a | $3K | |||
| Legal feesLn 11b | $800 | |||
| Accounting feesLn 11c | $6K | |||
| Other fees for servicesLn 11g | $2K | |||
| Advertising and promotionLn 12 | $18K | |||
| Office expensesLn 13 | $52K | |||
| OccupancyLn 16 | $12K | |||
| TravelLn 17 | $6K | |||
| Conferences, conventions and meetingsLn 19 | $12K | |||
| InterestLn 20 | $246K | |||
| Depreciation, depletion and amortizationLn 22 | $10K | |||
| InsuranceLn 23 | $10K | |||
| Other expenses (24a–d)Ln 24 | $236K | |||
| Total functional expensesLn 25 | $1.0M | $0 | $0 | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2024 Latest ViewingFiled with the IRS Oct 31, 2025 | $1.1M | $1.0M | $66K | $3.9M | 990 PDF |
| FY2023Filed with the IRS Oct 8, 2024 | $969K | $847K | $123K | $3.8M | 990 PDF |
| FY2022Filed with the IRS Jun 27, 2023 | $738K | $664K | $74K | $3.7M | 990 PDF |
| FY2021Filed with the IRS May 10, 2022 | $757K | $607K | $150K | $3.6M | 990 PDF |
| FY2020Filed with the IRS Nov 12, 2021 | $700K | $642K | $58K | $3.5M | 990 PDF |
Schedules filed Part IV
See the full FY2024 990
Part I · Summary $1,089,013 revenue, 12 lines filed
Part VI · Governance 10 of 10 board members independent, no flags
Part VIII · Statement of revenue $1,089,013 across 5 lines filed
Part IX · Statement of functional expenses $1,022,542 across 18 lines filed
Part X · Balance sheet $26,860,212 assets, 17 lines filed
Part XI · Reconciliation of net assets $3,877,723 net assets at year end
Form 990 e-file FY2024 from the IRS (about our sources) · Classification, formation year and address from the IRS Business Master File
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