Harvester Financial

Indianapolis, IN · 2 · Charter #68584 · www.harvesterfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$81.9M
32th percentile
Members
8,318
56th percentile
Total loans
$41.8M
30th percentile
Total shares
$72.9M
35th percentile

Profitability

Return on assets
0.88%
40th percentile
Net interest margin
4.21%
80th percentile
Efficiency ratio
80.78%
6th percentile
Non-interest income ratio
25.75%
85th percentile

Capital & Risk

Net worth ratio
9.68%
19th percentile
Delinquency rate
1.34%
22th percentile
Net charge-off rate
1.01%
11th percentile
Loan-to-share
57.37%
31th percentile

Growth

Member growth YoY
-6.63%
7th percentile
Asset growth YoY
-0.79%
16th percentile
Loan growth YoY
2.66%
57th percentile
Share growth YoY
-0.82%
18th percentile

Operations

Members / branch
2,773
41th percentile
Assets / member
$9,845
13th percentile
Field of membership penetration
0.78%
11th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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