Har-Co
Bel Air, MD · Charter 68639 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$286.4MAssets
$192.3MLoans
$257.1MShares
$27.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 59% of credit unions under $1B in assets (rank 682 of 1681).
- Widest gap: equity / assets trails 86% of credit unions under $1B in assets (rank 1445 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.64%
Rank 957 of 1,683
Net Interest Margin
3.74%
Rank 911 of 1,683
Efficiency Ratio
79.97%
Rank 934 of 1,682
Equity / Assets
9.42%
Rank 1,445 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.64% | 0.35% | 0.74% | 1.18% | Beats 43% | 957 / 1,683 | n/a | |
| Return on Equity | 6.84% | 2.67% | 5.89% | 8.74% | Beats 59% | 682 / 1,681 | n/a | |
| Net Interest Margin | 3.74% | 3.31% | 3.82% | 4.32% | Beats 46% | 911 / 1,683 | n/a | |
| Efficiency Ratio | 79.97% | 68.91% | 78.20% | 86.93% | Beats 45% | 934 / 1,682 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.43% | 0.26% | 0.65% | 1.29% | Beats 23% | 1,303 / 1,682 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.42% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,445 / 1,683 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.42% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,445 / 1,683 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 74.79% | 52.61% | 69.38% | 83.50% | 60th pctl | 678 / 1,683 | n/a | |
| Loans / Assets | 67.14% | 44.71% | 59.18% | 70.72% | 67th pctl | 554 / 1,683 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |