HTM CREDIT UNION (EIN 042011587) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1937

Legal Domicile

Principal Officer

JOSEPH W GRAHAM

Phone

9783747386

Tax Period

2023-01-01 to 2023-12-31

HTM CREDIT UNION, founded in 1937, is a small nonprofit that reported $969K in total revenue in fiscal year 2023. Revenue surged 31% from the prior year, signaling strong growth momentum. Expenses of $847K left a modest 13% surplus.

Mission

CREDIT UNION

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $556,204

Investment Income $306,657

Other Revenue $106,379

TOTAL REVENUE $969,240

Expense Breakdown

Grants Paid $0

Salaries & Benefits $380,649

Fundraising Expenses $0

Program Expenses $846,727

Other Expenses $466,079

TOTAL EXPENSES $846,728

Year-over-Year Comparison

	2023	2022	Change
Revenue	$969,240	$738,030	+0.3%
Expenses	$846,728	$663,756	+0.3%
Net Income	$122,512	$74,274	+0.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

⚠ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$105,000

Total Directors

$105,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSEPH W GRAHAM	CEOTREASURER	40.00	Officer Director	$105,000	$0	$105,000
CAMERON BOYD	DIRECTOR	2.000	Director	$0	$0	$0
JOAN CONCA	DIRECTOR	2.000	Director	$0	$0	$0
CLEMENTINA DANESE	DIRECTOR	2.000	Director	$0	$0	$0
DIANE JUKNAVORIAN	PRESIDENT	2.000	Officer Director	$0	$0	$0
KARA KOSMES	CLERK	2.000	Officer Director	$0	$0	$0
PETER KITSOS	DIRECTOR	2.000	Director	$0	$0	$0
ALAN RATTE	ASST TREASURER	2.000	Officer Director	$0	$0	$0
PAMELA CARR	DIRECTOR	2.000	Director	$0	$0	$0
PETER SHANAHAN	DIRECTOR	2.000	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$969,240	$846,728	$26,536,236	$122,512
2022	$738,030	$663,756	$27,796,762	$74,274
2021	$756,993	$607,097	$25,480,223	$149,896
2020	$700,270	$641,944	$22,664,500	$58,326
2019	$752,297	$648,283	$20,769,282	$104,014
2018	$728,115	$629,803	$20,487,951	$98,312

HTM CREDIT UNION