ZUnclassifiedEIN: 042011587

Htm Credit Union

Haverhill, Massachusetts

BHealth Score
58B

Financial Health Score

8-metric score across financial health, operational efficiency, and resilience. Based on IRS Form 990 filing data.

Above Average

How This Organization Compares

Compared to 22 peers in Unclassified with $1M-$10M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org4.50×
Peer Median15.40×
💰
$969K
Total Revenue
📊
$847K
Total Expenses
🏦
$3.8M
Net Assets
📋
$22.7M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+31.3%
Year-over-year change (2022 → 2023)
Net Margin
+12.6%
Revenue minus expenses as % of revenue
Working Capital Ratio
4.50
Net assets divided by total expenses
Liabilities-to-Assets
85.6%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$969,24031%$846,72828%$26,536,2365%
2022$738,0303%$663,7569%$27,796,7629%
2021$756,9938%$607,0975%$25,480,22312%
2020$700,2707%$641,9441%$22,664,5009%
2019$752,2973%$648,2833%$20,769,2821%
2018$728,1159%$629,803$20,487,9513%
2017$669,1358%$629,6049%$19,916,8223%
2016$621,2224%$578,5156%$19,422,9788%
2015$599,589$545,860$17,953,3521%
2014$596,7194%$544,8345%$17,745,1941%
2013$622,1844%$572,3424%$17,580,107
2012$646,997$594,033$17,529,5366%
2011$645,176$595,817$16,546,698

Frequently Asked Questions

What does Htm Credit Union do?

Htm Credit Union is a unclassified nonprofit organization based in Massachusetts. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Htm Credit Union financially healthy?

Financial health scoring requires Form 990 filing data. Check back as we process more filings for Htm Credit Union.

How much revenue does Htm Credit Union generate?

Htm Credit Union reports $1.1M in annual revenue and holds $26.9M in total assets, based on IRS filings.

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