Credit Union Safety Analysis
Is Harris Employees Credit Union Safe? Cordele, Georgia
Based on its Q2 2026 NCUA 5300 call report, Harris Employees Credit Union has a net worth ratio of 34.27%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.95%, 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, Harris Employees Credit Union's net worth ratio is 34.27%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 34.27%
- Delinquency ratio (60+ days) (Q2 2026): 3.95%
- Return on assets (Q2 2026): -2.43%
- Loan-to-share ratio (Q2 2026): 68.70%
Harris Employees Credit Union (NCUA charter 67563, established 1979) reported $626K in assets and 180 members for Q2 2026 from Cordele, Georgia. It ranks 69 of 71 credit unions in Georgia by total assets. Total assets fell 14.5% from $732K on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 33.65% for Q1 2026; 29.54% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.25% for Q1 2026 .
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.35% for Q1 2026; -1.50% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 70.97% for Q1 2026; 76.90% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $134K
- Other secured non-real estate loans and lines of credit: $76K
- Other unsecured loans and lines of credit: $33K
- New vehicle loans: $25K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $626K | 34.27% | 3.95% | -2.43% | 68.70% |
| March 31, 2026 | $648K | 33.65% | 0.25% | -0.35% | 70.97% |
| December 31, 2025 | $708K | 30.88% | 0.26% | 1.08% | 70.98% |
| September 30, 2025 | $750K | 29.08% | 0.98% | 1.14% | 68.62% |
| June 30, 2025 | $732K | 29.54% | — | -1.50% | 76.90% |
| March 31, 2025 | $695K | 31.47% | — | 0.06% | 88.33% |
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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.
Harris Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 67563) · FFIEC NIC profile (RSSD 1226124)
Frequently asked questions
Is Harris Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Harris Employees Credit Union's net worth ratio is 34.27%, above the 7% NCUA threshold for well capitalized.
Is Harris Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Harris Employees Credit Union is a federally insured credit union (NCUA charter 67563): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Harris Employees Credit Union's key safety ratios?
For Q2 2026, Harris Employees Credit Union reports net worth 34.27%, delinquency 3.95%, ROA -2.43%, loan-to-share 68.70%.
What happens to my money if Harris Employees Credit Union fails?
For Q2 2026, Harris Employees Credit Union held $389K in shares and deposits for 180 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.