Harvard
Cambridge, MA · Charter 24959 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 6 branches
Q2 2026
$1.2BAssets
$1.0BLoans
$922.7MShares
$108.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 21% of credit unions $1B-$10B in assets (rank 344 of 435).
- Widest gap: efficiency ratio trails 92% of credit unions $1B-$10B in assets (rank 403 of 435).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.28%
Rank 397 of 435
Net Interest Margin
2.76%
Rank 375 of 435
Efficiency Ratio
85.08%
Rank 403 of 435
Equity / Assets
8.81%
Rank 397 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.28% | 0.55% | 0.81% | 1.14% | Beats 9% | 397 / 435 | |
| Return on Equity | 3.19% | 5.12% | 7.41% | 9.70% | Beats 12% | 381 / 435 | |
| Net Interest Margin | 2.76% | 3.01% | 3.39% | 3.75% | Beats 14% | 375 / 435 | |
| Efficiency Ratio | 85.08% | 65.25% | 71.39% | 77.86% | Beats 8% | 403 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.13% | 0.45% | 0.69% | 1.05% | Beats 21% | 344 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.81% | 9.81% | 10.84% | 12.63% | Beats 9% | 397 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.81% | 9.81% | 10.84% | 12.63% | Beats 9% | 397 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 109.09% | 78.33% | 88.38% | 95.61% | 97th pctl | 11 / 435 | |
| Loans / Assets | 81.42% | 67.69% | 74.58% | 80.80% | 78th pctl | 95 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |