Credit Union Safety Analysis
Is Har-Co Credit Union Safe? Bel Air, Maryland
Based on its Q2 2026 NCUA 5300 call report, Har-Co Credit Union has a net worth ratio of 9.74%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.43%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Har-Co Credit Union's net worth ratio is 9.74%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.74%
- Delinquency ratio (60+ days) (Q2 2026): 1.43%
- Return on assets (Q2 2026): 0.78%
- Loan-to-share ratio (Q2 2026): 74.79%
Har-Co Credit Union (NCUA charter 68639, established 1955) reported $286.4M in assets and 13,597 members for Q2 2026 from Bel Air, Maryland. It ranks 26 of 58 credit unions in Maryland by total assets. Total assets grew 4.9% from $273.0M on June 30, 2025. It has 206 fewer members than on June 30, 2025 (-1.5%). Its net worth ratio was up 0.55 percentage points from 9.19% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $126.6M of $192.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.43% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.65% for Q1 2026; 9.19% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.54% for Q1 2026; 0.96% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.53% for Q1 2026; 0.75% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 74.40% for Q1 2026; 75.73% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $126.6M
- Used vehicle loans: $25.0M
- Commercial loans: $23.7M
- Unsecured credit card loans: $6.9M
- New vehicle loans: $6.4M
- Other unsecured loans and lines of credit: $2.0M
- Other secured non-real estate loans and lines of credit: $1.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $286.4M | 9.74% | 1.43% | 0.78% | 74.79% |
| March 31, 2026 | $285.5M | 9.65% | 0.54% | 0.53% | 74.40% |
| December 31, 2025 | $271.9M | 9.80% | 0.98% | 0.73% | 78.23% |
| September 30, 2025 | $264.8M | 9.65% | 1.09% | 0.72% | 79.19% |
| June 30, 2025 | $273.0M | 9.19% | 0.96% | 0.75% | 75.73% |
| March 31, 2025 | $271.9M | 9.44% | 0.26% | 0.70% | 74.47% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 68639) · FFIEC NIC profile (RSSD 737388)
Frequently asked questions
Is Har-Co Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Har-Co Credit Union's net worth ratio is 9.74%, above the 7% NCUA threshold for well capitalized.
Is Har-Co Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Har-Co Credit Union is a federally insured credit union (NCUA charter 68639): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Har-Co Credit Union's key safety ratios?
For Q2 2026, Har-Co Credit Union reports net worth 9.74%, delinquency 1.43%, ROA 0.78%, loan-to-share 74.79%.
What happens to my money if Har-Co Credit Union fails?
For Q2 2026, Har-Co Credit Union held $257.0M in shares and deposits for 13,597 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.