HARVARD
Charter #24959 · Cambridge, MA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.64% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 2.72% sits at the 15th percentile of structural peers — worth a closer look.
- Efficiency ratio of 86.46% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 16th percentile but its structural peers at the 54th — a 38-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 | HARVARD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.25B | 16th pct | 54th pct |
| Members | 58,845 | 9th pct | 44th pct |
| Net worth ratio | 8.64% | 8th pct | 15th pct |
| Return on average assets | 0.23% | 11th pct | 26th pct |
| Net interest margin | 2.72% | 15th pct | 15th pct |
| Cost of funds | 2.22% | 73th pct | 67th pct |
| Loan-to-share | 113.26% | 99th pct | 95th pct |
| Delinquency 60+ days | 0.83% | 70th pct | 70th pct |
| Net charge-off ratio | 0.41% | 35th pct | 59th pct |
| Loan growth YoY | 1.19% | 42th pct | 41th pct |
| Share growth YoY | 4.25% | 54th pct | 67th pct |
| Efficiency ratio | 86.46% | 92th pct | 77th pct |
structural peer set hash: 3309080906eb077c8067aa0ef4d5d39b… (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.