BlastPoint's Credit Union Scorecard

HARVARD

Charter #24959 · MA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 10 in MA

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HARVARD has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 30.4% in tier
+ Organic Growth Engine: Top 30.4% in tier
+ Loan-to-Share Ratio: Top 1.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 2.9% in tier
- Efficiency Drag: Bottom 9.3% in tier
- Credit Quality Pressure: Bottom 22.3% in tier
- Shrinking Wallet Share: Bottom 91.4% in tier
- ROA 0.54% below tier average
- Efficiency ratio 12.06% above tier (higher cost structure)
- Delinquency rate 0.27% above tier average
- First Mortgage Concentration (%): Bottom 8.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Massachusetts.
Shares and deposits +5.2% year over year ($923M in shares and deposits).
Membership: 59,763 members, +4.0% vs a year ago.
Delinquency rate 1.13%.
Return on assets 0.28%.
Efficiency ratio 85.08% vs a 73.02% peer average.
Loan-to-share ratio 109.09% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	59,763 +4.0% YoY+1.6% QoQ	-37.1K	96,861 -1.9% YoY	18,780 +3.1% YoY	34,678 +6.6% YoY	Bottom 13.3% in tier
Assets	$1.2B +1.6% YoY-1.0% QoQ	$-488.0M	$1.7B +0.4% YoY	$364.5M +6.9% YoY	$593.1M +10.2% YoY	24%
Loans	$1.0B -2.8% YoY-3.6% QoQ	$-227.7M	$1.2B +0.7% YoY	$274.7M +7.2% YoY	$418.6M +10.1% YoY	39%
Deposits	$922.7M +5.2% YoY+0.0% QoQ	$-540.7M	$1.5B +0.5% YoY	$301.2M +8.1% YoY	$504.8M +10.3% YoY	Bottom 9.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -11.8% YoY+20.5% QoQ	-0.5%	0.8% +27.6% YoY	0.7% +12.3% YoY	1.2% +121.4% YoY	Bottom 9.3% in tier
NIM	2.7% +7.4% YoY+1.5% QoQ	-0.7%	3.4% +6.6% YoY	3.3% +1.4% YoY	3.8% +2.3% YoY	Bottom 11.3% in tier
Efficiency Ratio	85.1% +1.9% YoY-1.6% QoQ	+12.1%	73.0% -2.7% YoY	80.1% -1.4% YoY	83.0% -5.3% YoY	Bottom 10.0% in tier
Delinquency Rate	1.1% +17.8% YoY+36.0% QoQ	+0.3	0.9% +7.3% YoY	0.8% -7.5% YoY	1.3% +2.6% YoY	77%
Loan To Share	109.1% -7.5% YoY-3.7% QoQ	+24.4%	84.7% +0.1% YoY	71.9% -1.9% YoY	66.4% -1.4% YoY	Top 2.0% in tier
AMR	$32,282 -3.0% YoY-3.4% QoQ	+$3K	$29,575 +1.5% YoY	$25,615 +4.4% YoY	$20,028 -0.9% YoY	72%
CD Concentration	35.3% +6.2% YoY+1.3% QoQ	+6.2%	29.1%	25.4%	20.0%	76%
Indirect Auto %	0.0%	-18.1%	18.1%	2.4%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#49 of 112 • Top 30.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.98%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

Organic Growth Engine

growth

#77 of 113 • Top 30.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.98%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.28%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Concerns (4)

Efficiency Drag

risk

#22 of 71 • Bottom 9.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.08%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.04% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 3.98%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Credit Quality Pressure

risk

#83 of 215 • Bottom 22.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Liquidity Strain

risk

#67 of 168 • Bottom 2.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 109.09%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -2.76%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#33 of 69 • Bottom 91.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.98%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | Rank improving

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 14.26%

#1 of 300 Top 0.1% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 109.09%

Peer Median: 87.07%

#6 of 300 Top 1.7% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,843

Peer Median: $12,809

#40 of 300 Top 13.0% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 406.551

Peer Median: 346.173

#69 of 300 Top 22.7% in 1B-3B tier

Top Weaknesses (14 metrics)

276

First Mortgage Concentration (%)

balance_sheet

Value: 55.18%

Peer Median: 33.59%

#276 of 300 Bottom 8.3% in 1B-3B tier

275

Loan Growth Rate

growth

Value: -2.76%

Peer Median: 5.71%

#275 of 300 Bottom 8.7% in 1B-3B tier

275

Net Worth Ratio

risk

Value: 8.81%

Peer Median: 10.91%

#275 of 300 Bottom 8.7% in 1B-3B tier

274

AMR Growth Rate

growth

Value: -2.98%

Peer Median: 3.19%

#274 of 300 Bottom 9.0% in 1B-3B tier

272

Return on Assets (ROA)

profitability

Value: 0.28%

Peer Median: 0.77%

#272 of 300 Bottom 9.7% in 1B-3B tier

271

Efficiency Ratio

profitability

Value: 85.08%

Peer Median: 73.62%

#271 of 300 Bottom 10.0% in 1B-3B tier

271

Total Deposits

balance_sheet

Value: $922.70M

Peer Median: $1.30B

#271 of 300 Bottom 10.0% in 1B-3B tier

270

Fee Income Per Member

profitability

Value: $128.18

Peer Median: $204.73

#270 of 300 Bottom 10.3% in 1B-3B tier

266

Net Interest Margin (NIM)

profitability

Value: 2.74%

Peer Median: 3.46%

#266 of 300 Bottom 11.7% in 1B-3B tier

260

Total Members

engagement

Value: 59,763

Peer Median: 86,516

#260 of 300 Bottom 13.7% in 1B-3B tier