BlastPoint's Credit Union Scorecard
HARVARD COMMUNITY
Charter #60201 ยท IL
2596 CUs in <100M nationally
143 in IL
HARVARD COMMUNITY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 3.48% below tier average
- - Efficiency ratio 16.34% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 2.6% in tier
- - Net Worth Ratio: Bottom 3.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,227
+2.7% YoY+0.5% QoQ
|
+601 |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$20.0M
-2.9% YoY-1.9% QoQ
|
$-9.9M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
48% |
| Loans |
$15.7M
-6.7% YoY-0.7% QoQ
|
$-29K |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$18.3M
-1.1% YoY-2.2% QoQ
|
$-7.1M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
50% |
| ROA |
-2.8%
-10.1% YoY-27.4% QoQ
|
-3.5% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.2% in tier |
| NIM |
4.1%
-16.2% YoY-13.9% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
57% |
| Efficiency Ratio |
97.7%
+8.1% YoY+0.1% QoQ
|
+16.3% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 13.0% in tier |
| Delinquency Rate |
0.7%
-82.4% YoY-59.7% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
49% |
| Loan To Share |
85.8%
-5.7% YoY+1.6% QoQ
|
+24.6% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$10,561
-6.3% YoY-2.0% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration |
25.0%
-4.1% YoY-1.6% QoQ
|
+0.6% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
354
Member Growth Rate
growth
Value:
2.67%
Peer Avg: 14.92%
#354 of 2596
Top 13.6% in <100M tier
403
Loan-to-Share Ratio
balance_sheet
Value:
85.81%
Peer Avg: 61.23%
#403 of 2596
Top 15.5% in <100M tier
494
Members Per Employee (MPE)
engagement
Value:
461.000
Peer Avg: 365.701
#494 of 2596
Top 19.0% in <100M tier
Top Weaknesses (7 metrics)
2538
Return on Assets (ROA)
profitability
Value:
-2.79%
Peer Avg: 0.68%
#2538 of 2596
Bottom 2.3% in <100M tier
2529
Net Charge-Off Rate
risk
Value:
3.45%
Peer Avg: 0.57%
#2529 of 2596
Bottom 2.6% in <100M tier
2511
Net Worth Ratio
risk
Value:
7.59%
Peer Avg: 16.43%
#2511 of 2596
Bottom 3.3% in <100M tier
2260
Efficiency Ratio
profitability
Value:
97.73%
Peer Avg: 81.39%
#2260 of 2596
Bottom 13.0% in <100M tier
2233
AMR Growth Rate
growth
Value:
-6.30%
Peer Avg: 4.67%
#2233 of 2596
Bottom 14.0% in <100M tier
2023
Asset Growth Rate
growth
Value:
-2.85%
Peer Avg: 1.82%
#2023 of 2596
Bottom 22.1% in <100M tier
1972
Share Certificate Concentration (%)
balance_sheet
Value:
25.01%
Peer Avg: 15.37%
#1972 of 2596
Bottom 24.1% in <100M tier