HARVEST
Charter #20302 · Heath, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.30% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.22% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 69.80% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 57th — a 29-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HARVEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $42.51M | 87th pct | 61th pct |
| Members | 2,253 | 56th pct | 39th pct |
| Net worth ratio | 12.93% | 44th pct | 56th pct |
| Return on average assets | 1.30% | 80th pct | 79th pct |
| Net interest margin | 3.88% | 51th pct | 57th pct |
| Cost of funds | 0.97% | 56th pct | 66th pct |
| Loan-to-share | 45.17% | 28th pct | 57th pct |
| Delinquency 60+ days | 0.22% | 31th pct | 20th pct |
| Net charge-off ratio | 0.04% | 41th pct | 28th pct |
| Loan growth YoY | -3.86% | 39th pct | 43th pct |
| Share growth YoY | 3.73% | 63th pct | 69th pct |
| Efficiency ratio | 69.80% | 26th pct | 18th pct |
structural peer set hash: de7adfe3fbe915d89ae1782bab56a036… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.