Harvest
Heath, OH · Charter 20302 · Peer group: credit unions under $1B in assets in the Columbus, OH area (n=18)
NCUA · 2 branches
Q2 2026
$43.9MAssets
$16.7MLoans
$38.1MShares
$5.6MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 83% of credit unions under $1B in assets in the Columbus, OH area (rank 4 of 18).
- Widest gap: net interest margin trails 28% of credit unions under $1B in assets in the Columbus, OH area (rank 5 of 18).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.16%
Rank 4 of 18
Net Interest Margin
3.79%
Rank 5 of 18
Efficiency Ratio
71.68%
Rank 4 of 18
Equity / Assets
12.80%
Rank 3 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.59% | 0.76% | 0.99% | Beats 78% | 4 / 18 | | |
| Return on Equity | 9.05% | 4.13% | 7.59% | 9.05% | Beats 72% | 5 / 18 | | |
| Net Interest Margin | 3.79% | 3.24% | 3.56% | 3.79% | Beats 72% | 5 / 18 | | |
| Efficiency Ratio | 71.68% | 72.20% | 76.10% | 84.19% | Beats 83% | 4 / 18 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.37% | 0.66% | 1.08% | Beats 83% | 4 / 18 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.80% | 9.66% | 10.67% | 11.63% | Beats 83% | 3 / 18 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.80% | 9.66% | 10.67% | 11.63% | Beats 83% | 3 / 18 | | |
| Liquidity & Funding |
| Loans / Deposits | 43.70% | 47.40% | 66.89% | 76.69% | 17th pctl | 15 / 18 | | |
| Loans / Assets | 38.01% | 43.35% | 60.60% | 69.11% | 17th pctl | 15 / 18 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |