BlastPoint's Credit Union Scorecard
HARVESTERS
Charter #24967 · FL
HARVESTERS has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 74.6% in tier
- + Net Interest Margin 0.82% above tier average
- + Strong member growth: 5.8% YoY
- + Total Members: Top 4.3% in tier
- + Member Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 25.2% in tier
- - Credit Quality Pressure: Bottom 32.4% in tier
- - Efficiency Drag: Bottom 37.4% in tier
- - Credit Risk Growth: Bottom 58.2% in tier
- - Shrinking Wallet Share: Bottom 58.9% in tier
- - ROA 0.43% below tier average
- - Efficiency ratio 13.15% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 6.5% in tier
- - AMR Growth Rate: Bottom 9.6% in tier
- - Average Member Relationship (AMR): Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,080
+5.8% YoY+3.7% QoQ
|
+18.6K |
15,437
-2.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 4.4% in tier |
| Assets |
$302.5M
+6.4% YoY+3.6% QoQ
|
+$70.6M |
$231.9M
+1.3% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$241.9M
+3.0% YoY+3.7% QoQ
|
+$94.5M |
$147.3M
-0.1% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$271.2M
+4.1% YoY+1.6% QoQ
|
+$70.4M |
$200.8M
+0.8% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
0.3%
+58.5% YoY+7.3% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
4.4%
+8.8% YoY-0.6% QoQ
|
+0.8% |
3.6%
+6.7% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
Top 10.9% in tier |
| Efficiency Ratio |
90.2%
-1.3% YoY-0.8% QoQ
|
+13.2% |
77.0%
-3.1% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Top 9.8% in tier |
| Delinquency Rate |
0.6%
+105.0% YoY+7.0% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
89.2%
-1.1% YoY+2.0% QoQ
|
+17.0% |
72.2%
-1.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$15,054
-2.1% YoY-1.1% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.7% in tier |
| CD Concentration |
19.2%
-14.4% YoY-10.4% QoQ
|
-5.2% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
43.1%
-4.6% YoY-5.8% QoQ
|
+29.3% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)