Har-Co

BEL AIR, MD · 2 · Charter #68639 · www.harcocu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$271.9M
8th percentile
Members
13,601
6th percentile
Total loans
$190.1M
16th percentile
Total shares
$243.0M
10th percentile

Profitability

Return on assets
0.92%
45th percentile
Net interest margin
3.88%
76th percentile
Efficiency ratio
66.86%
20th percentile
Non-interest income ratio
11.11%
10th percentile

Capital & Risk

Net worth ratio
9.58%
28th percentile
Delinquency rate
0.98%
29th percentile
Net charge-off rate
0.15%
83th percentile
Loan-to-share
78.23%
43th percentile

Growth

Member growth YoY
-0.90%
33th percentile
Asset growth YoY
4.35%
43th percentile
Loan growth YoY
4.40%
52th percentile
Share growth YoY
3.91%
42th percentile

Operations

Members / branch
4,534
49th percentile
Assets / member
$19,994
75th percentile
Field of membership penetration
13.60%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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