Harvard Community
Harvard, IL · Charter 60201 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 1 branch
Q2 2026
$21.1MAssets
$16.6MLoans
$19.7MShares
$1.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 81% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 19 of 96).
- Widest gap: equity / assets trails 99% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 95 of 96).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-1.06%
Rank 83 of 96
Net Interest Margin
3.87%
Rank 40 of 96
Efficiency Ratio
70.02%
Rank 19 of 96
Equity / Assets
6.46%
Rank 95 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.06% | -0.02% | 0.42% | 1.03% | Beats 14% | 83 / 96 | |
| Return on Equity | -16.40% | -0.11% | 2.94% | 6.89% | Beats 4% | 91 / 95 | |
| Net Interest Margin | 3.87% | 3.01% | 3.57% | 4.27% | Beats 58% | 40 / 96 | |
| Efficiency Ratio | 70.02% | 73.45% | 82.91% | 96.61% | Beats 81% | 19 / 96 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.08% | 0.86% | 1.63% | Beats 77% | 22 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 6.46% | 11.79% | 15.23% | 18.93% | Beats 1% | 95 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 6.46% | 11.79% | 15.23% | 18.93% | Beats 1% | 95 / 96 | |
| Liquidity & Funding |
| Loans / Deposits | 84.24% | 32.14% | 50.03% | 67.81% | 92nd pctl | 8 / 96 | |
| Loans / Assets | 78.44% | 23.12% | 42.50% | 56.24% | 97th pctl | 3 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |