BlastPoint's Credit Union Scorecard

HARVESTERS

Charter #24967 · FL

100M-500M

1070 CUs in 100M-500M nationally 36 in FL

HARVESTERS has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.18% above tier average
+ Net Interest Margin 0.90% above tier average
+ Strong member growth: 5.0% YoY
+ Total Members: Top 3.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency ratio 1.61% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 5.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	34,149 +5.0% YoY+0.2% QoQ	+19.0K	15,145 -2.5% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	Top 3.8% in tier
Assets	$312.8M +6.0% YoY+3.4% QoQ	+$81.1M	$231.7M +0.8% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	75%
Loans	$243.5M +3.9% YoY+0.7% QoQ	+$99.4M	$144.1M +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	Top 14.1% in tier
Deposits	$280.4M +3.8% YoY+3.4% QoQ	+$79.3M	$201.1M +0.4% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	77%

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	0.9% +63.5% YoY+176.0% QoQ	+0.2%	0.7% +5.1% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	65%
NIM	4.5% -4.9% YoY+2.2% QoQ	+0.9%	3.6% +4.6% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	Top 9.2% in tier
Efficiency Ratio	79.6% -8.5% YoY-11.7% QoQ	+1.6%	78.0% -1.7% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	53%
Delinquency Rate	0.6% +83.0% YoY-10.7% QoQ	-0.2	0.8% +7.1% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	46%
Loan To Share	86.8% +0.1% YoY-2.6% QoQ	+16.4%	70.4% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	83%
AMR	$15,343 -1.1% YoY+1.9% QoQ	$-10K	$24,918 +2.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	Bottom 10.5% in tier
CD Concentration	19.3% -9.9% YoY+0.3% QoQ	-5.0%	24.3%	24.4%	19.8%	50%
Indirect Auto %	43.8% -1.1% YoY+1.6% QoQ	+30.0%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#115 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.03%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 43.78%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 5.02%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#271 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#242 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.92%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Shrinking Wallet Share

decline

#197 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -1.10%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

Total Members

engagement

Value: 34,149

Peer Median: 13,200

#41 of 1070 Top 3.7% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.53%

Peer Median: 3.62%

#98 of 1070 Top 9.1% in 100M-500M tier

111

Members Per Employee (MPE)

engagement

Value: 455.320

Peer Median: 309.176

#111 of 1070 Top 10.3% in 100M-500M tier

113

Member Growth Rate

growth

Value: 5.02%

Peer Median: -0.06%

#113 of 1070 Top 10.5% in 100M-500M tier

151

Total Loans

balance_sheet

Value: $243.52M

Peer Median: $121.41M

#151 of 1070 Top 14.0% in 100M-500M tier

185

Loan-to-Share Ratio

balance_sheet

Value: 86.84%

Peer Median: 71.88%

#185 of 1070 Top 17.2% in 100M-500M tier

248

Total Deposits

balance_sheet

Value: $280.43M

Peer Median: $171.29M

#248 of 1070 Top 23.1% in 100M-500M tier

Top Weaknesses (5 metrics)

1008

Indirect Auto Concentration (%)

balance_sheet

Value: 43.78%

Peer Median: 6.61%

#1008 of 1070 Bottom 5.9% in 100M-500M tier

958

Average Member Relationship (AMR)

engagement

Value: $15,343

Peer Median: $22,931

#958 of 1070 Bottom 10.6% in 100M-500M tier

907

AMR Growth Rate

growth

Value: -1.10%

Peer Median: 3.46%

#907 of 1070 Bottom 15.3% in 100M-500M tier

848

Net Worth Ratio

risk

Value: 9.48%

Peer Median: 11.45%

#848 of 1070 Bottom 20.8% in 100M-500M tier

806

Loan-to-Member Ratio (LMR)

engagement

Value: $7,131

Peer Median: $9,356

#806 of 1070 Bottom 24.8% in 100M-500M tier