HARVARD COMMUNITY
Charter #60201 · HARVARD, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 5.43% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of -6.30% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 3.71% sits at the 18th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.02% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 115.45% sits at the 93rd percentile of structural peers — worth a closer look.
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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.20M | 39th pct | 44th pct |
| Members | 3,263 | 81th pct | 59th pct |
| Net worth ratio | 5.43% | 0th pct | 2th pct |
| Return on average assets | -6.30% | 1th pct | 0th pct |
| Net interest margin | 3.71% | 43th pct | 18th pct |
| Cost of funds | 1.88% | 87th pct | 64th pct |
| Loan-to-share | 82.15% | 86th pct | 72th pct |
| Delinquency 60+ days | 1.30% | 74th pct | 67th pct |
| Net charge-off ratio | 0.02% | 38th pct | 23th pct |
| Loan growth YoY | 3.76% | 90th pct | 84th pct |
| Share growth YoY | 8.39% | 92th pct | 85th pct |
| Efficiency ratio | 115.45% | 96th pct | 93th pct |
structural peer set hash: 72ffa65eeb36e7874dec990e5ccdef2b… (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.