Skip to main content
IRS-authorized e-file provider · not the IRS

Nonprofit · EIN 04-2011587

HTM CREDIT UNION

Tax-exempt · HAVERHILL, MA 01831

Financials

$969K$847K2023$1.1M$1M2024$1.2M$1.1M2025
Revenue Expenses · by fiscal year end
Financials of HTM CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$1,238,472$1,130,259$108,213$28,564,173$24,578,237$3,985,936
December 31, 2024990$1,089,013$1,022,542$66,471$26,860,212$22,982,489$3,877,723
December 31, 2023990$969,240$846,728$122,512$26,536,236$22,724,984$3,811,252
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$827,228
Investment income
$308,538
Other revenue
$102,706

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$118,037
Other salaries and wages
$233,879
Salaries, compensation and benefits (total)
$423,937
Professional fundraising fees
$0
Legal fees
$510
Accounting fees
$7,800
Occupancy
$12,652
Travel
$17,708
Depreciation
$8,648

Balance sheet and other

Total assets, start of year
$26,860,212
Total assets, end of year
$28,564,173
Total liabilities, end of year
$24,578,237
Net assets, end of year
$3,985,936
Land, buildings and equipment
$10,792
Publicly traded securities
$3,397,766
Gross receipts
$1,238,472
Employees
5
Volunteers
10
Year formed
1937
State of legal domicile
MA

From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.

Officers, directors and key employees

As listed on the 990 for the year ended December 31, 2025, highest compensation first.

NameTitleHours / weekCompensation
JOSEPH W GRAHAMCEO
Officer
40$118,037
MARC HARVEYDIRECTOR
Trustee or director
2$0
CASEY RICEDIRECTOR
Trustee or director
2$0
DIANE JUKNAVORIANDIRECTOR
Trustee or director, Officer
2$0
KARA KOSMESCLERK
Trustee or director, Officer
2$0
PETER KITSOSDIRECTOR
Trustee or director
2$0
ALAN RATTEVICE PRESIDENT
Trustee or director, Officer
2$0
PETER SHANAHANASST TREASURER
Trustee or director
2$0
JOHN BUTLERDIRECTOR
Trustee or director
2$0
DIANE BEVILACQUADIRECTOR
Trustee or director
2$0
990 for the year ended December 31, 2024: 11 people
NameTitleHours / weekCompensation
JOSEPH W GRAHAMCEO
Officer
40$105,000
MARC HARVEYDIRECTOR
Trustee or director
2$0
CASEY RICEDIRECTOR
Trustee or director
2$0
CLEMENTINA DANESEDIRECTOR
Trustee or director
2$0
DIANE JUKNAVORIANDIRECTOR
Trustee or director, Officer
2$0
KARA KOSMESCLERK
Trustee or director, Officer
2$0
PETER KITSOSDIRECTOR
Trustee or director
2$0
ALAN RATTEVICE PRESIDENT
Trustee or director, Officer
2$0
PAMELA CARRDIRECTOR
Trustee or director
2$0
PETER SHANAHANASST TREASURER
Trustee or director
2$0
JOHN BUTLERDIRECTOR
Trustee or director
2$0
990 for the year ended December 31, 2023: 10 people
NameTitleHours / weekCompensation
JOSEPH W GRAHAMCEOTREASURER
Trustee or director, Officer
40$105,000
CAMERON BOYDDIRECTOR
Trustee or director
2$0
JOAN CONCADIRECTOR
Trustee or director
2$0
CLEMENTINA DANESEDIRECTOR
Trustee or director
2$0
DIANE JUKNAVORIANPRESIDENT
Trustee or director, Officer
2$0
KARA KOSMESCLERK
Trustee or director, Officer
2$0
PETER KITSOSDIRECTOR
Trustee or director
2$0
ALAN RATTEASST TREASURER
Trustee or director, Officer
2$0
PAMELA CARRDIRECTOR
Trustee or director
2$0
PETER SHANAHANDIRECTOR
Trustee or director
2$0

Address and contacts

Address (IRS master file)
PO BOX 383, HAVERHILL, MA 01831-0483
In care of
% JOSEPH W GRAHAM
Principal officer (990 for 2025)
JOSEPH W GRAHAM, PO BOX 383, HAVERHILL, MA 01831
Signed the 990
JOSEPH W GRAHAM, CEO
Phone
(978) 374-7386

Mission

THE CREDIT UNION PROVIDES COST EFFECTIVE LOANS AND SHARES, AND A VARIETY OF BANKING SERVICES TO ITS MEMBERS.

990 for the year ended December 31, 2025

Program accomplishments

  • 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
    Expenses $1,130,259 · revenue $1,238,472

What it must file and when

IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.

Tax yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
04-2011587
Tax-exempt status
501(c)(14): State-chartered credit union
Donations deductible
No
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$28,564,173
Income (IRS master file)
$1,238,472

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$1,238,472$1,130,259$28,564,173XML
990December 2024$1,089,013$1,022,542$26,860,212XML
990December 2023$969,240$846,728$26,536,236XML
990December 2022$738,030$663,756$27,796,762IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2018–––IRS

990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 04-2011587).

Questions about HTM CREDIT UNION

What is the EIN of HTM CREDIT UNION?
The employer identification number (EIN) of HTM CREDIT UNION is 04-2011587.
Is HTM CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14).
Are donations to HTM CREDIT UNION tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does HTM CREDIT UNION file?
Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
When is the next return of HTM CREDIT UNION due?
The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
When did HTM CREDIT UNION last file with the IRS?
The latest return in the IRS public files is the 990 for the year ended December 2025.
Who is the principal officer of HTM CREDIT UNION?
The 990 for the year ended December 31, 2025 names JOSEPH W GRAHAM.
Who are the officers and directors of HTM CREDIT UNION?
The 990 for the year ended December 31, 2025 lists 10 people; 1 received compensation from the organization, the highest $118,037 (JOSEPH W GRAHAM, CEO).
How much revenue does HTM CREDIT UNION have?
On its 990 for the year ended December 31, 2025 it reported revenue of $1,238,472, expenses of $1,130,259 and total assets of $28,564,173 at year end.

Other nonprofits in HAVERHILL

All nonprofits in HAVERHILL · Massachusetts