HARVESTERS
Charter #24967 · Cantonment, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 34,149 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.48% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 4.60% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 64th — a 19-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 | HARVESTERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $312.78M | 75th pct | 67th pct |
| Members | 34,149 | 96th pct | 84th pct |
| Net worth ratio | 9.48% | 21th pct | 20th pct |
| Return on average assets | 0.93% | 65th pct | 69th pct |
| Net interest margin | 4.60% | 92th pct | 84th pct |
| Cost of funds | 1.16% | 47th pct | 43th pct |
| Loan-to-share | 86.84% | 83th pct | 64th pct |
| Delinquency 60+ days | 0.57% | 46th pct | 54th pct |
| Net charge-off ratio | 0.46% | 61th pct | 59th pct |
| Loan growth YoY | 4.39% | 83th pct | 64th pct |
| Share growth YoY | 5.05% | 71th pct | 57th pct |
| Efficiency ratio | 79.63% | 53th pct | 49th pct |
structural peer set hash: ddd9abc76dde20b859c31e80817e3412… (reproducible)
Closest structural peers
This is the free public view
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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.