BlastPoint's Credit Union Scorecard
HARVARD
Charter #24959 · MA
HARVARD has 4 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 34.7% in tier
- + Organic Growth Engine: Top 34.7% in tier
- + Loan-to-Share Ratio: Top 1.0% in tier
- + Loan-to-Member Ratio (LMR): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.3% in tier
- - Efficiency Drag: Bottom 9.7% in tier
- - Shrinking Wallet Share: Bottom 83.7% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 11.82% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
- - Net Worth Ratio: Bottom 7.2% in tier
- - First Mortgage Concentration (%): Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58,845
+3.4% YoY+0.8% QoQ
|
-37.2K |
96,048
-2.7% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
Bottom 13.1% in tier |
| Assets |
$1.2B
+2.5% YoY+1.3% QoQ
|
$-470.7M |
$1.7B
+0.4% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$1.0B
-0.5% YoY+1.6% QoQ
|
$-169.1M |
$1.2B
+0.2% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
43% |
| Deposits |
$922.3M
+5.2% YoY+0.5% QoQ
|
$-543.2M |
$1.5B
+0.5% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.2% in tier |
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| ROA |
0.2%
-25.0% YoY-20.3% QoQ
|
-0.5% |
0.7%
+27.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.1% in tier |
| NIM |
2.7%
+7.1% YoY+3.3% QoQ
|
-0.7% |
3.4%
+6.2% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.1% in tier |
| Efficiency Ratio |
86.5%
+3.2% YoY+2.9% QoQ
|
+11.8% |
74.6%
-3.0% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.5% in tier |
| Delinquency Rate |
0.8%
-1.1% YoY+5.4% QoQ
|
+0.1 |
0.8%
+6.9% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
71% |
| Loan To Share |
113.3%
-5.4% YoY+1.2% QoQ
|
+30.1% |
83.2%
-0.4% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
Top 1.3% in tier |
| AMR |
$33,427
-1.3% YoY+0.3% QoQ
|
+$4K |
$29,652
+2.3% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
76% |
| CD Concentration |
34.8%
+6.9% YoY+0.4% QoQ
|
+6.0% | 28.8% | 25.2% | 19.8% | 77% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 2.3% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)