HARVESTER FINANCIAL
Charter #68584 · Indianapolis, IN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.71% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.31% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.51% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 91.91% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 56th — a 16-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 | HARVESTER FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $82.42M | 72th pct | 56th pct |
| Members | 6,395 | 72th pct | 69th pct |
| Net worth ratio | 9.71% | 17th pct | 23th pct |
| Return on average assets | 0.35% | 31th pct | 41th pct |
| Net interest margin | 4.03% | 68th pct | 70th pct |
| Cost of funds | 0.31% | 14th pct | 18th pct |
| Loan-to-share | 53.16% | 36th pct | 39th pct |
| Delinquency 60+ days | 1.51% | 87th pct | 85th pct |
| Net charge-off ratio | 0.16% | 40th pct | 36th pct |
| Loan growth YoY | -5.11% | 17th pct | 20th pct |
| Share growth YoY | -0.88% | 11th pct | 7th pct |
| Efficiency ratio | 91.91% | 85th pct | 80th pct |
structural peer set hash: d65ba1084c0d5e3a6dd830fd61337dee… (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.