2025-10-31T08:08:49-05:00 2024-12-31 990 2024-01-01 042011587 HTM CREDIT UNION % JOSEPH W GRAHAM HTMC 9783747386 PO BOX 383 HAVERHILL MA 01831 JOSEPH W GRAHAM CEO 9783747386 2025-10-31 false true CHARLES R CONANT IV P01260595 7815561821 2025-10-31 X 2024 2025-03-06 01:10:19Z JOSEPH W GRAHAM PO BOX 383 HAVERHILL MA 01831 1089013 false X HTMCREDITUNION.COM X 1937 MA CREDIT UNION 10 10 5 8 0 0 0 556204 690666 306657 297097 106379 101250 969240 1089013 0 0 380649 408647 0 0 466079 613895 846728 1022542 122512 66471 26536236 26860212 22724984 22982489 3811252 3877723 THE CREDIT UNION PROVIDES COST EFFECTIVE LOANS AND SHARES, AND A VARIETY OF BANKING SERVICES TO ITS MEMBERS. false false 1022542 1089013 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. 1022542 false false false false false false false false true false true false true false true true false false false false false false false false false false false false false false false false false false false false false false false false false false true 285 0 false 5 true false false false false false false false false X 10 10 false false false false true true true true true false false false true false false true true true false false MA X JOSEPH W GRAHAM 9783747386 PO BOX 383 HAVERHILL MA 01831 JOSEPH W GRAHAM CEO 40.00 0.00 X 105000 0 0 MARC HARVEY DIRECTOR 2.00 0.00 X 0 0 0 CASEY RICE DIRECTOR 2.00 0.00 X 0 0 0 CLEMENTINA DANESE DIRECTOR 2.00 0.00 X 0 0 0 DIANE JUKNAVORIAN DIRECTOR 2.00 0.00 X X 0 0 0 KARA KOSMES CLERK 2.00 0.00 X X 0 0 0 PETER KITSOS DIRECTOR 2.00 0.00 X 0 0 0 ALAN RATTE VICE PRESIDENT 2.00 0.00 X X 0 0 0 PAMELA CARR DIRECTOR 2.00 0.00 X 0 0 0 PETER SHANAHAN ASST TREASURER 2.00 0.00 X 0 0 0 JOHN BUTLER DIRECTOR 2.00 0.00 X 0 0 0 105000 0 0 1 false false false INTEREST INCOME 900099 690666 690666 690666 297097 297097 0 FEE INCOME 900099 101250 101250 101250 1089013 1089013 0 0 105000 226386 12900 36959 27402 2602 800 6000 2250 17586 52271 12350 6000 11708 245958 10487 9973 DATA PROCESSING 134932 ATM EXPENSE 64841 LOAN PROCESSING 14974 ISC OPERATING EXPENSES 21163 1022542 0 0 0 82519 101781 1484952 2568672 89455 126915 13349003 13845072 16103 27562 169142 149703 29926 19439 4594568 4096154 6612000 5816000 277710 258617 26536236 26860212 22713110 23036880 11874 -54391 22724984 22982489 X 545987 545987 3265265 3331736 3811252 3877723 26536236 26860212 66471 0 X true X true X true false 24946 24946 144196 124757 19439 19439 CERT OF DEPOSITS 5816000 C 5816000 OTHER LIABILITIES -54391 -54391 Part VI Line 6 THE CREDIT UNION IS OWNED BY ITS MEMBERS Part VI Line 7a CREDIT UNION MEMBERS ELECT THEIR VOLUNTEER BOARD OF DIRECTORS WHO ARE Part VI Line 7a ALSO MEMBERS OF THE CREDIT UNION. ONE MEMBER, ONE VOTE. Part VI Line 7b ANY CHANGES TO THE CREDIT UNION BY-LAWS MUST BE APPROVED BY THE Part VI Line 7b MEMBERSHIP Part VI Line 11b THE 990 IS REVIEWED BY THE CEO BEFORE FILING IS COMPLETED Part VI Line 19 THE CU BY-LAWS ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE Part VI Line 19 POSTED IN THE CU LOBBY, POLICIES ARE AVAILABLE UPON REQUEST.