BlastPoint's Credit Union Scorecard

HARVARD

Charter #24959 · MA

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 10 in MA
View Mid-Market leaderboard →

HARVARD has 4 strengths but faces 11 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 48.9% in tier
  • + Organic Growth Engine: Top 67.9% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 1.0% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 33.9% in tier
  • - Shrinking Wallet Share: Bottom 46.1% in tier
  • - Efficiency Drag: Bottom 59.5% in tier
  • - Credit Quality Pressure: Bottom 68.1% in tier
  • - Wealth Migration Risk: Bottom 83.3% in tier
  • - ROA 0.39% below tier average
  • - Efficiency ratio 9.93% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 7.3% in tier
  • - Total Deposits: Bottom 8.3% in tier
  • - First Mortgage Concentration (%): Bottom 8.6% in tier
  • - AMR Growth Rate: Bottom 9.6% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 58,391
+3.8% YoY-0.3% QoQ
 -39.0K 97,431
-2.4% YoY
 27,118
+2.4% YoY
 33,374
+5.7% YoY
 Bottom 12.6% in tier
Assets $1.2B
+1.3% YoY+1.2% QoQ
 $-490.3M $1.7B
+0.9% YoY
 $450.6M
+5.5% YoY
 $561.6M
+9.7% YoY
 23%
Loans $1.0B
-2.6% YoY-0.4% QoQ
 $-206.5M $1.2B
+0.5% YoY
 $346.1M
+3.6% YoY
 $397.0M
+8.8% YoY
 39%
Deposits $918.1M
+4.0% YoY+3.8% QoQ
 $-541.3M $1.5B
+0.9% YoY
 $377.7M
+7.2% YoY
 $477.3M
+9.7% YoY
 Bottom 7.9% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.3%
+301.8% YoY+0.5% QoQ
 -0.4% 0.7%
+20.9% YoY
 0.6%
+6.8% YoY
 0.7%
+15.9% YoY
 Bottom 14.9% in tier
NIM 2.6%
+9.9% YoY+0.8% QoQ
 -0.7% 3.3%
+9.2% YoY
 3.3%
+4.1% YoY
 3.8%
+5.1% YoY
 Bottom 14.6% in tier
Efficiency Ratio 84.0%
-8.5% YoY-0.7% QoQ
 +9.9% 74.1%
-9.5% YoY
 81.2%
-12.2% YoY
 79.7%
-3.3% YoY
 Top 10.3% in tier
Delinquency Rate 0.8%
+11.3% YoY-11.5% QoQ
 -0.1 0.9%
+6.2% YoY
 0.9%
+13.0% YoY
 1.3%
-2.1% YoY
 51%
Loan To Share 112.0%
-6.4% YoY-4.0% QoQ
 +27.2% 84.8%
-0.8% YoY
 73.5%
-2.0% YoY
 67.4%
-1.7% YoY
 Top 1.3% in tier
AMR $33,328
-3.2% YoY+1.8% QoQ
 +$4K $29,428
+2.4% YoY
 $25,262
+4.8% YoY
 $19,687
+2.0% YoY
 78%
CD Concentration 34.7%
+9.4% YoY-0.2% QoQ
 +5.7% 29.0% 25.0% 19.8% 76%
Indirect Auto % 0.0% -18.3% 18.3% 2.4% 7.8% Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#70 of 142 • Top 48.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.75%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 18.31%, National: 7.78%)
better than tier avg
142 of 378 Mid-Market CUs have this signature | 609 nationally
→ No prior data (142 CUs now) | New qualifier

Organic Growth Engine

growth
#168 of 247 • Top 67.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.75%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Return on Assets: 0.29%
(Tier: 0.69%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 18.31%, National: 7.78%)
better than tier avg
247 of 378 Mid-Market CUs have this signature | 913 nationally
→ No prior data (247 CUs now) | New qualifier

Concerns (5)

Liquidity Strain

risk
#57 of 166 • Bottom 33.9% in tier

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

Why This Signature
Loan-to-Share Ratio: 111.97%
(Tier: 85.73%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): -2.64%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
166 of 378 Mid-Market CUs have this signature | 439 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#37 of 79 • Bottom 46.1% in tier

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

Why This Signature
AMR Growth (YoY): -3.24%
(Tier: 3.31%, National: 4.00%)
worse than tier avg
79 of 378 Mid-Market CUs have this signature | 303 nationally
↓ Shrinking -33 CUs YoY | New qualifier

Efficiency Drag

risk
#54 of 90 • Bottom 59.5% in tier

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

Why This Signature
Efficiency Ratio: 83.99%
(Tier: 73.53%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.22% points
(Tier: 0.12% points, National: 0.02% points)
but better than tier avg
Member Growth (YoY): 3.75%
(Tier: 3.43%, National: 4.32%)
but better than tier avg
90 of 378 Mid-Market CUs have this signature | 633 nationally
↓ Shrinking -36 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#144 of 211 • Bottom 68.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.08% points
(Tier: 0.06% points, National: 0.06% points)
worse than tier avg
211 of 378 Mid-Market CUs have this signature | 969 nationally
↓ Shrinking -59 CUs YoY | New qualifier

Wealth Migration Risk

decline
#11 of 13 • Bottom 83.3% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature
Avg Member Relationship: $33.3K
(Tier: $29.5K, National: $19.7K)
but better than tier avg
AMR Growth (YoY): -3.24%
(Tier: 3.31%, National: 4.00%)
worse than tier avg
13 of 378 Mid-Market CUs have this signature | 34 nationally
→ No prior data (13 CUs now) | New qualifier

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)

Comparing against 302 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 302 Top 0.0% in 1B-3B tier
4
Loan-to-Share Ratio
balance_sheet
Value: 111.97%
Peer Median: -
#4 of 302 Top 1.0% in 1B-3B tier
33
Loan-to-Member Ratio (LMR)
engagement
Value: $17,605
Peer Median: -
#33 of 302 Top 10.6% in 1B-3B tier
67
Net Charge-Off Rate
risk
Value: 0.30%
Peer Median: -
#67 of 302 Top 21.9% in 1B-3B tier
67
Average Member Relationship (AMR)
engagement
Value: $33,328
Peer Median: -
#67 of 302 Top 21.9% in 1B-3B tier

Top Weaknesses (13 metrics)

281
Net Worth Ratio
risk
Value: 8.69%
Peer Median: -
#281 of 302 Bottom 7.3% in 1B-3B tier
278
Total Deposits
balance_sheet
Value: $918.07M
Peer Median: -
#278 of 302 Bottom 8.3% in 1B-3B tier
277
First Mortgage Concentration (%)
balance_sheet
Value: 55.53%
Peer Median: -
#277 of 302 Bottom 8.6% in 1B-3B tier
274
AMR Growth Rate
growth
Value: -3.24%
Peer Median: -
#274 of 302 Bottom 9.6% in 1B-3B tier
272
Efficiency Ratio
profitability
Value: 83.99%
Peer Median: -
#272 of 302 Bottom 10.3% in 1B-3B tier
267
Loan Growth Rate
growth
Value: -2.64%
Peer Median: -
#267 of 302 Bottom 11.9% in 1B-3B tier
264
Total Members
engagement
Value: 58,391
Peer Median: -
#264 of 302 Bottom 12.9% in 1B-3B tier
258
Net Interest Margin (NIM)
profitability
Value: 2.61%
Peer Median: -
#258 of 302 Bottom 14.9% in 1B-3B tier
257
Return on Assets (ROA)
profitability
Value: 0.29%
Peer Median: -
#257 of 302 Bottom 15.2% in 1B-3B tier
254
Fee Income Per Member
profitability
Value: $145.74
Peer Median: -
#254 of 302 Bottom 16.2% in 1B-3B tier
Link copied to clipboard!