BlastPoint's Credit Union Scorecard

HARVARD COMMUNITY

Charter #60201 · IL

<100M

2508 CUs in <100M nationally 137 in IL

HARVARD COMMUNITY faces 3 concerns requiring attention

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 6.29% below tier average
- Efficiency ratio 24.82% above tier (higher cost structure)
- Net Worth Ratio: Bottom 0.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	3,263 +2.7% YoY+0.6% QoQ	+586	2,676 +1.6% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	71%
Assets	$21.2M +2.3% YoY+5.3% QoQ	$-9.0M	$30.2M +1.3% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	49%
Loans	$16.3M +1.7% YoY+1.6% QoQ	+$1.0M	$15.3M -2.0% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	64%
Deposits	$19.9M +3.8% YoY+7.6% QoQ	$-5.9M	$25.8M +0.7% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	52%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-6.1% -28.1% YoY+166.2% QoQ	-6.3%	0.1% -77.6% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	Bottom 1.4% in tier
NIM	3.6% -21.2% YoY-13.5% QoQ	-0.4%	4.0% +4.0% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	41%
Efficiency Ratio	115.5% +14.2% YoY+14.8% QoQ	+24.8%	90.6% +6.5% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	Bottom 6.9% in tier
Delinquency Rate	1.3% -34.8% YoY+17.1% QoQ	-0.2	1.5% +3.8% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	70%
Loan To Share	82.1% -2.0% YoY-5.6% QoQ	+23.6%	58.5% -3.0% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	84%
AMR	$11,097 +0.1% YoY+4.1% QoQ	$-4K	$14,884 -1.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	34%
CD Concentration	24.0% -6.4% YoY-6.2% QoQ	-0.3%	24.3%	14.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.2%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

327

Member Growth Rate

growth

Value: 2.74%

Peer Median: -1.37%

#327 of 2508 Top 13.0% in <100M tier

402

Loan-to-Share Ratio

balance_sheet

Value: 82.15%

Peer Median: 58.72%

#402 of 2508 Top 16.0% in <100M tier

461

Members Per Employee (MPE)

engagement

Value: 466.143

Peer Median: 333.750

#461 of 2508 Top 18.3% in <100M tier

Top Weaknesses (3 metrics)

2486

Net Worth Ratio

risk

Value: 5.43%

Peer Median: 14.28%

#2486 of 2508 Bottom 0.9% in <100M tier

2472

Return on Assets (ROA)

profitability

Value: -6.14%

Peer Median: 0.61%

#2472 of 2508 Bottom 1.5% in <100M tier

2335

Efficiency Ratio

profitability

Value: 115.45%

Peer Median: 81.45%

#2335 of 2508 Bottom 6.9% in <100M tier