2026-09-23T09:37:06-05:00 2025-12-31 990 2025-01-01 042011587 HTM CREDIT UNION % JOSEPH W GRAHAM HTMC 9783747386 PO BOX 383 HAVERHILL MA 01831 JOSEPH W GRAHAM CEO 9783747386 2026-09-23 false CHARLES R CONANT IV P01260595 7815561821 2026-09-23 X 2025 JOSEPH W GRAHAM PO BOX 383 HAVERHILL MA 01831 1238472 false X HTMCREDITUNION.COM X 1937 MA CREDIT UNION 10 10 5 10 0 0 0 690666 827228 297097 308538 101250 102706 1089013 1238472 0 0 408647 423937 0 0 613895 706322 1022542 1130259 66471 108213 26860212 28564173 22982489 24578237 3877723 3985936 THE CREDIT UNION PROVIDES COST EFFECTIVE LOANS AND SHARES, AND A VARIETY OF BANKING SERVICES TO ITS MEMBERS. false false 1130259 1238472 THE CREDIT UNION HAS MEMBERS. THE CREDIT UNION PROVIDES DEPOSIT & LENDING SERVICES. THE CREDIT UNION STRIVES TO KEEP THESE PRODUCTS AS LOW COST AND HIGH QUALITY AS POSSIBLE 1130259 false false false false false false false false false true false true false true false 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 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 118037 0 0 MARC HARVEY DIRECTOR 2.00 0.00 X 0 0 0 CASEY RICE 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 PETER SHANAHAN ASST TREASURER 2.00 0.00 X 0 0 0 JOHN BUTLER DIRECTOR 2.00 0.00 X 0 0 0 DIANE BEVILACQUA DIRECTOR 2.00 0.00 X 0 0 0 118037 0 0 1 false false false INTEREST INCOME 900099 827228 827228 827228 308538 308538 0 FEE INCOME 900099 102706 102706 102706 1238472 1238472 0 0 118037 233879 13466 29307 29248 2602 510 7800 6150 26554 51317 12652 17708 15929 293512 8648 11351 DATA PROCESSING 143832 ATM EXPENSE 66350 LOAN PROCESSING 14982 MISC OPERATIN EXPENSES 26425 1130259 0 0 0 101781 36560 2568672 5458223 126915 132982 13845072 14321271 27562 20964 83716 72924 19439 10792 4096154 3397766 5816000 4922000 258617 263615 26860212 28564173 23036880 24631047 -54391 -52810 22982489 24578237 X 545987 545987 3331736 3439949 3877723 3985936 26860212 28564173 108213 0 X true X true X true false 83716 72924 10792 10792 4922000 C 4922000 OTHER LIABILITIES -52810 -52810 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 15a or b CEO COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS USING VARIOUS Part VI Line 15a or b OUTSIDE FACTORS INCLUDING COPARISON TO OTHER CREDIT UNIONS. 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.