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Harvesters

Cantonment, FL · Charter 5727

NCUA · 9 branches

Q1 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2021, the quarter ended March 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Harvesters

Cantonment, FL · Charter 5727

NCUA · 9 branches

Q1 2021

$245.9MAssets
$171.1MLoans
$221.3MShares
$19.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.57%, up 29 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.03% of loans (-33 bps YoY).
  • Capital: net worth / assets of 8.06%, down 62 bps from a year ago.
  • Funding: loans stand at 77.32% of shares as of Q1 2021.

Return on Assets (YTD, annualized)

0.57%+29 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-80 bps YoY

Efficiency Ratio (YTD, annualized)

86.32%-580 bps YoY

Net Worth / Assets

8.06%-62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets0.70%0.78%0.73%0.28%0.27%0.33%0.45%0.57%+29 bps
Return on Equity8.27%8.92%8.44%3.24%3.05%3.64%5.20%7.03%+379 bps
Net Interest Margin3.52%3.57%3.51%3.62%3.33%3.36%3.18%2.82%-80 bps
Efficiency Ratio81.39%80.87%81.15%92.12%91.29%91.30%89.24%86.32%-580 bps
Growth
Asset Growth (YoY)7.78%3.35%5.91%3.98%16.35%16.91%20.80%32.69%+2,872 bps
Loan Growth (YoY)7.43%1.73%-0.05%-0.72%5.83%9.81%7.80%8.81%+953 bps
Share Growth (YoY)9.01%6.72%8.54%5.17%14.84%16.62%21.24%31.44%+2,627 bps
Asset Quality
Delinquent Loans / Loans0.94%0.26%0.85%0.36%0.02%0.11%0.09%0.03%-33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.32%0.33%0.36%0.35%0.31%0.27%0.23%0.21%-13 bps
Capital
Risk-Based Capital8.49%8.71%8.66%8.68%8.98%9.03%8.74%8.06%-62 bps
Net Worth / Assets8.49%8.71%8.66%8.68%8.98%9.03%8.74%8.06%-62 bps
Liquidity & Funding
Loans / Shares95.67%94.82%93.19%93.40%88.17%89.29%82.86%77.32%-1,608 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps