Harvest

Heath, OH · 1 · Charter #20302 · www.harvestfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$42.3M
93th percentile
Members
2,267
73th percentile
Total loans
$17.3M
83th percentile
Total shares
$36.8M
94th percentile

Profitability

Return on assets
1.25%
70th percentile
Net interest margin
3.77%
42th percentile
Efficiency ratio
59.99%
64th percentile
Non-interest income ratio
11.45%
58th percentile

Capital & Risk

Net worth ratio
12.67%
35th percentile
Delinquency rate
0.92%
44th percentile
Net charge-off rate
0.15%
56th percentile
Loan-to-share
46.84%
30th percentile

Growth

Member growth YoY
-0.92%
55th percentile
Asset growth YoY
9.17%
90th percentile
Loan growth YoY
11.09%
91th percentile
Share growth YoY
8.98%
89th percentile

Operations

Members / branch
2,267
83th percentile
Assets / member
$18,654
94th percentile
Field of membership penetration
1.27%
7th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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