BlastPoint's Credit Union Scorecard
HARVESTER FINANCIAL
Charter #68584 · IN
HARVESTER FINANCIAL has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.20% above tier average
- + AMR Growth Rate: Top 1.2% in tier
- + Fee Income Per Member: Top 2.5% in tier
- + Total Deposits: Top 5.8% in tier
- + Total Members: Top 7.6% in tier
- + Total Assets: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Efficiency ratio 15.45% above tier (higher cost structure)
- - Member decline: -28.0% YoY
- - Member Growth Rate: Bottom 1.0% in tier
- - Net Charge-Off Rate: Bottom 6.2% in tier
- - Indirect Auto Concentration (%): Bottom 9.8% 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 71 that size in Indiana.
- Shares and deposits -1.4% year over year ($73.0M in shares and deposits).
- Membership: 6,240 members, -28.0% vs a year ago.
- Delinquency rate 1.36%.
- Return on assets 1.22%.
- Efficiency ratio 104.22% vs a 88.77% peer average.
- Loan-to-share ratio 50.73% 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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,240
-28.0% YoY-2.4% QoQ
|
+3.7K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Top 7.7% in tier |
| Assets |
$79.5M
-4.1% YoY-3.5% QoQ
|
+$49.2M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Top 8.0% in tier |
| Loans |
$37.0M
-7.2% YoY-5.1% QoQ
|
+$21.6M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Top 12.3% in tier |
| Deposits |
$73.0M
-1.4% YoY-0.5% QoQ
|
+$47.2M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
Top 5.9% in tier |
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| ROA |
1.2%
+182.1% YoY+245.2% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
70% |
| NIM |
4.1%
-0.4% YoY+2.2% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
104.2%
+29.1% YoY+13.4% QoQ
|
+15.5% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.0% in tier |
| Delinquency Rate |
1.4%
+2.9% YoY-10.1% QoQ
|
-0.2 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
69% |
| Loan To Share |
50.7%
-5.9% YoY-4.6% QoQ
|
-8.2% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
38% |
| AMR |
$17,633
+34.2% YoY+0.4% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
67% |
| CD Concentration |
2.6%
-19.4% YoY-11.0% QoQ
|
-22.0% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % |
7.8%
-28.6% YoY+2.1% QoQ
|
-5.8% | 13.6% | 11.1% | 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)