BlastPoint's Credit Union Scorecard

HARVESTER FINANCIAL

Charter #68584 · IN

<100M

2508 CUs in <100M nationally 80 in IN

HARVESTER FINANCIAL has 5 strengths but faces 4 concerns

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.21% above tier average
+ AMR Growth Rate: Top 1.3% in tier
+ Total Deposits: Top 5.5% in tier
+ Total Assets: Top 6.4% in tier
+ Total Members: Top 7.1% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 1.28% above tier (higher cost structure)
- Member decline: -27.5% YoY
- Member Growth Rate: Bottom 1.2% in tier
- Indirect Auto Concentration (%): Bottom 9.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	6,395 -27.5% YoY-23.1% QoQ	+3.7K	2,676 +1.6% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	Top 7.1% in tier
Assets	$82.4M -3.0% YoY+0.6% QoQ	+$52.2M	$30.2M +1.3% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	Top 6.4% in tier
Loans	$39.0M -5.5% YoY-6.8% QoQ	+$23.7M	$15.3M -2.0% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	Top 10.4% in tier
Deposits	$73.4M -3.9% YoY+0.6% QoQ	+$47.6M	$25.8M +0.7% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	Top 5.5% in tier

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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	0.4% +55.9% YoY-7.4% QoQ	+0.2%	0.1% -77.6% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	38%
NIM	4.0% -2.5% YoY-4.1% QoQ	+0.0%	4.0% +4.0% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	91.9% +12.5% YoY+8.4% QoQ	+1.3%	90.6% +6.5% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	72%
Delinquency Rate	1.5% +33.3% YoY+13.0% QoQ	+0.0	1.5% +3.8% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	75%
Loan To Share	53.2% -1.7% YoY-7.3% QoQ	-5.3%	58.5% -3.0% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	42%
AMR	$17,571 +31.8% YoY+27.3% QoQ	+$3K	$14,884 -1.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	68%
CD Concentration	2.9% -4.5% YoY-2.8% QoQ	-21.4%	24.3%	18.9%	19.8%	50%
Indirect Auto %	7.7% -31.0% YoY-10.2% QoQ	-6.2%	13.8%	10.4%	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 (6 metrics)

AMR Growth Rate

growth

Value: 31.82%

Peer Median: 1.27%

#34 of 2508 Top 1.3% in <100M tier

138

Total Deposits

balance_sheet

Value: $73.36M

Peer Median: $18.77M

#138 of 2508 Top 5.5% in <100M tier

161

Total Assets

balance_sheet

Value: $82.42M

Peer Median: $21.86M

#161 of 2508 Top 6.4% in <100M tier

179

Total Members

engagement

Value: 6,395

Peer Median: 1,918

#179 of 2508 Top 7.1% in <100M tier

260

Total Loans

balance_sheet

Value: $39.00M

Peer Median: $9.48M

#260 of 2508 Top 10.3% in <100M tier

338

Fee Income Per Member

profitability

Value: $142.38

Peer Median: $60.42

#338 of 2508 Top 13.4% in <100M tier

Top Weaknesses (5 metrics)

2479

Member Growth Rate

growth

Value: -27.50%

Peer Median: -1.37%

#2479 of 2508 Bottom 1.2% in <100M tier

2269

Indirect Auto Concentration (%)

balance_sheet

Value: 7.65%

Peer Median: 0.00%

#2269 of 2508 Bottom 9.6% in <100M tier

2129

Net Worth Ratio

risk

Value: 9.71%

Peer Median: 14.28%

#2129 of 2508 Bottom 15.2% in <100M tier

1946

Asset Growth Rate

growth

Value: -3.04%

Peer Median: 1.30%

#1946 of 2508 Bottom 22.4% in <100M tier

1925

Deposit Growth Rate

growth

Value: -3.86%

Peer Median: 0.66%

#1925 of 2508 Bottom 23.3% in <100M tier