BlastPoint's Credit Union Scorecard
HARVARD COMMUNITY
Charter #60201 · IL
HARVARD COMMUNITY has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.22% above tier average
Key Concerns
Areas that may need attention
- - ROA 2.93% below tier average
- - Efficiency ratio 18.04% above tier (higher cost structure)
- - Member decline: -5.1% YoY
- - Net Worth Ratio: Bottom 2.5% in tier
- - Net Charge-Off Rate: Bottom 3.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,242
-5.1% YoY+0.5% QoQ
|
+626 |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$20.1M
-3.6% YoY+0.7% QoQ
|
$-10.0M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$16.1M
-2.2% YoY+2.2% QoQ
|
+$319K |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$18.5M
-2.1% YoY+0.8% QoQ
|
$-7.2M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
-2.3%
+139.9% YoY-17.4% QoQ
|
-2.9% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.7% in tier |
| NIM |
4.2%
-11.4% YoY+2.5% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
100.6%
+8.5% YoY+2.9% QoQ
|
+18.0% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.7% in tier |
| Delinquency Rate |
1.1%
-74.4% YoY+68.6% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
87.0%
-0.0% YoY+1.4% QoQ
|
+26.4% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Top 13.2% in tier |
| AMR |
$10,661
+3.1% YoY+0.9% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
25.5%
-0.5% YoY+2.1% QoQ
|
+1.1% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)