PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Harvard Community

Harvard, IL · Charter 60201

NCUA · 1 branch

Q2 2026

$21.1MAssets
$16.6MLoans
$19.7MShares
$1.4MNet 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 -1.06%, up 282 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.03% of loans (-160 bps YoY).
  • Capital: net worth / assets of 6.46%, down 96 bps from a year ago.
  • Funding: loans stand at 84.24% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-1.06%+282 bps YoY

Net Interest Margin (quarter, annualized)

3.87%-90 bps YoY

Efficiency Ratio (quarter, annualized)

69.96%-2,763 bps YoY

Net Worth / Assets

6.46%-96 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-3.88%-2.82%-2.30%-6.14%-1.06%+282 bps
Return on Equity-52.25%-37.16%-31.34%-113.16%-16.34%+3,590 bps
Net Interest Margin4.77%4.11%4.16%3.61%3.87%-90 bps
Efficiency Ratio97.59%97.73%100.60%115.45%69.96%-2,763 bps
Growth
Asset Growth (YoY)-4.26%-2.85%-3.64%2.28%3.80%+807 bps
Loan Growth (YoY)-8.05%-6.74%-2.18%1.72%4.64%+1,268 bps
Share Growth (YoY)-2.70%-1.11%-2.13%3.75%4.95%+765 bps
Asset Quality
Delinquent Loans / Loans1.63%0.66%1.11%1.30%0.03%-160 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 Capital7.43%7.59%7.33%5.43%6.46%-96 bps
Net Worth / Assets7.43%7.59%7.33%5.43%6.46%-96 bps
Liquidity & Funding
Loans / Shares84.49%85.81%87.01%82.15%84.24%-25 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps