Harvard

Cambridge, MA · 1 · Charter #24959 · www.harvardfcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.2B
16th percentile
Members
58,391
9th percentile
Total loans
$1.0B
27th percentile
Total shares
$918.1M
8th percentile

Profitability

Return on assets
-0.14%
3th percentile
Net interest margin
2.60%
18th percentile
Efficiency ratio
54.52%
38th percentile
Non-interest income ratio
13.62%
19th percentile

Capital & Risk

Net worth ratio
8.69%
9th percentile
Delinquency rate
0.79%
46th percentile
Net charge-off rate
0.30%
78th percentile
Loan-to-share
111.97%
96th percentile

Growth

Member growth YoY
3.75%
65th percentile
Asset growth YoY
1.33%
18th percentile
Loan growth YoY
-2.64%
10th percentile
Share growth YoY
4.03%
34th percentile

Operations

Members / branch
9,732
71th percentile
Assets / member
$21,117
75th percentile
Field of membership penetration
11.68%
71th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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