Harvard Community

HARVARD, IL · 2 · Charter #60201 · WWW.HARVARDCCU.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
$20.1M
62th percentile
Members
3,242
88th percentile
Total loans
$16.1M
81th percentile
Total shares
$18.5M
65th percentile

Profitability

Return on assets
-0.03%
15th percentile
Net interest margin
4.16%
57th percentile
Efficiency ratio
75.51%
32th percentile
Non-interest income ratio
17.73%
78th percentile

Capital & Risk

Net worth ratio
7.33%
3th percentile
Delinquency rate
1.11%
38th percentile
Net charge-off rate
2.74%
4th percentile
Loan-to-share
87.01%
85th percentile

Growth

Member growth YoY
-5.12%
17th percentile
Asset growth YoY
-3.64%
21th percentile
Loan growth YoY
-2.18%
54th percentile
Share growth YoY
-2.13%
34th percentile

Operations

Members / branch
3,242
93th percentile
Assets / member
$6,207
25th percentile
Field of membership penetration
21.61%
34th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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