PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Harvesters

Cantonment, FL · Charter 24967

NCUA · 7 branches

Q2 2026

$316.8MAssets
$246.3MLoans
$284.1MShares
$29.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.89%, up 71 bps year over year; NIM at 4.60%.
  • Asset quality: problem loans at 0.83% of loans (+43 bps YoY).
  • Capital: net worth / assets of 9.44%, up 132 bps from a year ago.
  • Funding: loans stand at 86.72% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%+71 bps YoY

Net Interest Margin (YTD, annualized)

4.60%+27 bps YoY

Efficiency Ratio (YTD, annualized)

79.87%-1,287 bps YoY

Net Worth / Assets

9.44%+132 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.31%0.32%0.91%0.89%+71 bps
Return on Equity2.27%3.81%3.38%9.59%9.47%+721 bps
Net Interest Margin4.33%4.45%4.35%4.53%4.60%+27 bps
Efficiency Ratio92.74%90.90%90.17%79.63%79.87%-1,287 bps
Growth
Asset Growth (YoY)n/an/a6.39%6.03%8.65%n/a
Loan Growth (YoY)n/an/a2.98%3.92%4.79%n/a
Share Growth (YoY)n/an/a4.07%3.81%6.50%n/a
Asset Quality
Delinquent Loans / Loans0.41%0.59%0.64%0.57%0.83%+43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.12%8.07%9.60%9.49%9.44%+132 bps
Net Worth / Assets8.12%8.07%9.60%9.49%9.44%+132 bps
Liquidity & Funding
Loans / Shares88.12%87.39%89.18%86.84%86.72%-141 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps