Harris Employees Credit Union Cordele, Georgia
Harris Employees Credit Union is a state-chartered credit union headquartered in Cordele, GA, established in 1979 (NCUA charter 67563), and it is regulated and insured by the NCUA. At Q2 2026 it reported 180 members and total assets of $626K (down 14.5% from Q2 2025), the 69th largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 34.27% at Q2 2026, in the well capitalized band.
Also written as Harris Employees CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67563
- Headquarters
- Cordele, GA
- Established
- 1979
- Total assets, Q2 2026
- $626K
- Assets vs Q2 2025
- -14.5%
- Members, Q2 2026
- 180
- Net worth ratio, Q2 2026
- 34.27%
- Latest call report
- Q2 2026, NCUA 5300 · Harris Employees Credit Union call report
- Asset rank in state
- 69th of 71 in Georgia
- Routing number
- 261272732
- Branches
- 1
It has 6 fewer members than on June 30, 2025 (-3.2%). Its net worth ratio was up 4.73 percentage points from 29.54% on June 30, 2025. Used vehicle loans are its largest loan category, $134K of $268K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.95% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 34.27% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Georgia
Frequently asked about Harris Employees Credit Union
How big is Harris Employees Credit Union?
At Q2 2026 it reported total assets of $626K and 180 members.
Where is Harris Employees Credit Union headquartered?
It is headquartered in Cordele, GA, United States.
When was Harris Employees Credit Union founded?
It was established in 1979, per NCUA records.
Is Harris Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67563): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Harris Employees Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Harris Employees Credit Union well capitalized?
Its net worth ratio was 34.27% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Harris Employees Credit Union's delinquency ratio?
Its delinquency ratio was 3.95% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Harris Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 68.70% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cordele, GA 31015
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1979
- NCUA Charter #
- 67563
- RSSD ID
- 1226124
- Members
- 180
- Potential members
- 470
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 34.27% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -2.43% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -7.08% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.59% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 135.20% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.59% | 0.78% | 61st above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 3.95% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 6.19% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 68.70% | 58.92% | 64th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$626K total assets against $732K; $389K total shares and deposits against $492K; $268K total loans against $378K.
$214K net worth against $216K.
34.27% net worth ratio against 29.54%.
68.70% loan-to-share ratio against 76.90%.
3.95% delinquency ratio.
-2.43% return on assets against -1.50%; -7.08% return on equity against -5.08%.
5.59% net interest margin against 5.91%.
180 members against 186.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 34.27% | -2.43% | 3.95% | 68.70% |
| March 31, 2026 | 33.65% | -0.35% | 0.25% | 70.97% |
| December 31, 2025 | 30.88% | 1.08% | 0.26% | 70.98% |
| September 30, 2025 | 29.08% | 1.14% | 0.98% | 68.62% |
| June 30, 2025 | 29.54% | -1.50% | — | 76.90% |
| March 31, 2025 | 31.47% | 0.06% | — | 88.33% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.