BlastPoint's Credit Union Scorecard
HARVARD
Charter #24959 · MA
HARVARD has 4 strengths but faces 10 concerns
How does the industry compare?
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How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 18.9% in tier
- + Organic Growth Engine: Top 24.6% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 10.9% in tier
- - Credit Quality Pressure: Bottom 11.2% in tier
- - Efficiency Drag: Bottom 14.3% in tier
- - Shrinking Wallet Share: Bottom 20.5% in tier
- - ROA 0.41% below tier average
- - Efficiency ratio 10.64% above tier (higher cost structure)
- - Delinquency rate 0.06% above tier average
- - Total Deposits: Bottom 5.3% in tier
- - Net Worth Ratio: Bottom 7.6% in tier
- - First Mortgage Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58,545
+3.0% YoY+1.9% QoQ
|
-40.1K |
98,678
-1.9% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 12.5% in tier |
| Assets |
$1.2B
+1.7% YoY+0.1% QoQ
|
$-501.0M |
$1.7B
+0.5% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$1.0B
-2.2% YoY-0.3% QoQ
|
$-200.7M |
$1.2B
+0.5% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$884.8M
+5.2% YoY+0.8% QoQ
|
$-569.6M |
$1.5B
+1.3% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.9% in tier |
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| ROA |
0.3%
+473.4% YoY-8.7% QoQ
|
-0.4% |
0.7%
+13.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.1% in tier |
| NIM |
2.6%
+9.6% YoY+1.6% QoQ
|
-0.7% |
3.3%
+9.3% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.5% in tier |
| Efficiency Ratio |
84.6%
-8.6% YoY+1.3% QoQ
|
+10.6% |
74.0%
-10.9% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 9.9% in tier |
| Delinquency Rate |
0.9%
+21.6% YoY-7.1% QoQ
|
+0.1 |
0.8%
+6.1% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
69% |
| Loan To Share |
116.7%
-7.0% YoY-1.1% QoQ
|
+31.5% |
85.2%
-0.8% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 0.7% in tier |
| AMR |
$32,747
-1.9% YoY-1.6% QoQ
|
+$4K |
$29,172
+2.8% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
77% |
| CD Concentration |
34.8%
+8.7% YoY+4.7% QoQ
|
+5.8% |
29.0%
+0.7% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
76% |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)