Sep, 30, 2025 — HTM CREDIT UNION is a federally insured state chartered credit union headquartered in HAVERHILL, MA with 1 branch location and about $27.07 million in total assets. Opened 89 years ago in 1937, HTM CREDIT UNION has about 1,792 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | HTM CREDIT UNION |
|---|---|
| Address: (Main Office) | 4 Summer St Ste 3 HAVERHILL, MA 01830-5843 |
| Phone: | (978) 374-7386 |
| Fax: | (978) 372-0654 |
| Website: | https://www.htmcreditunion.com |
| Branches: | 1 branch locations |
| Members: | 1,792 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67749 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1937 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $27,069,015 |
| CEO/Manager: | Joseph W Graham |
| Chairperson: | Diane Juknavorian |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,449,660 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 9,185,238 |
| Unsecured Loans | 1,292,059 |
| Other Loans | 4,939,073 |
| TOTAL LOANS | 15,416,370 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -24,382 |
| Land And Building | 0 |
| Other Fixed Assets | 12,815 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 221,031 |
| All Other Assets | 0 |
| TOTAL ASSETS | 27,069,015 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | -27,486 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,444,798 |
| Regular shares | 12,719,928 |
| All Other Shares & Deposits | 7,954,765 |
| TOTAL SHARES & DEPOSITS | 23,119,491 |
| TOTAL LIABILITIES | 23,092,005 |
| Regular Reserve | 0 |
| Other Reserves | 545,988 |
| Undivided Earnings | 3,431,022 |
| TOTAL EQUITY | 3,977,010 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 27,069,015 |
| INCOME & EXPENSE | |
| Loan Income | 612,538 |
| Investment Income | 229,653 |
| Other Income | 71,004 |
| Total Employee Compensation & Benefits | 312,413 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 287,019 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 637 |
| Cost of Funds | 215,794 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 99,285 |
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