BlastPoint's Credit Union Scorecard
HARVARD COMMUNITY
Charter #60201 · IL
HARVARD COMMUNITY faces 2 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Net Worth Ratio: Bottom 1.3% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 127 that size in Illinois.
- Shares and deposits +4.9% year over year ($19.7M in shares and deposits).
- Membership: 3,291 members, +2.5% vs a year ago.
- Delinquency rate 0.03%.
- Return on assets 1.05%.
- Efficiency ratio 69.96% vs a 88.77% peer average.
- Loan-to-share ratio 84.24% vs a 58.89% 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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,291
+2.5% YoY+0.9% QoQ
|
+705 |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
72% |
| Assets |
$21.1M
+3.8% YoY-0.3% QoQ
|
$-9.1M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
49% |
| Loans |
$16.6M
+4.6% YoY+1.5% QoQ
|
+$1.1M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
65% |
| Deposits |
$19.7M
+4.9% YoY-1.0% QoQ
|
$-6.1M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
52% |
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| ROA |
1.1%
-127.4% YoY-117.2% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
63% |
| NIM |
3.9%
-18.2% YoY+7.1% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
50% |
| Efficiency Ratio |
70.0%
-28.3% YoY-39.4% QoQ
|
-18.8% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
26% |
| Delinquency Rate |
0.0%
-98.1% YoY-97.6% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
15% |
| Loan To Share |
84.2%
-0.3% YoY+2.5% QoQ
|
+25.3% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
Top 15.0% in tier |
| AMR |
$11,019
+2.3% YoY-0.7% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
33% |
| CD Concentration |
23.4%
-7.8% YoY-2.3% QoQ
|
-1.1% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)