HAR-CO
Charter #68639 · BEL AIR, MD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 46th — a 25-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 | HAR-CO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $285.53M | 71th pct | 46th pct |
| Members | 13,626 | 52th pct | 28th pct |
| Net worth ratio | 9.65% | 23th pct | 43th pct |
| Return on average assets | 0.52% | 37th pct | 33th pct |
| Net interest margin | 3.79% | 58th pct | 67th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 74.40% | 54th pct | 41th pct |
| Delinquency 60+ days | 0.54% | 44th pct | 34th pct |
| Net charge-off ratio | 0.00% | 6th pct | 2th pct |
| Loan growth YoY | 1.94% | 65th pct | 62th pct |
| Share growth YoY | 8.50% | 94th pct | 95th pct |
| Efficiency ratio | 79.47% | 53th pct | 38th pct |
structural peer set hash: 2db0767985a4ce57b699ec2c7cc26a54… (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.