Credit Union Safety Analysis
Is Harvard Community Credit Union Safe? Harvard, Illinois
Based on its Q2 2026 NCUA 5300 call report, Harvard Community Credit Union has a net worth ratio of 6.46%, at the NCUA level for adequately capitalized, not well capitalized, its 60-day delinquency ratio is 0.03%, 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, Harvard Community Credit Union's net worth ratio is 6.46%, below the 7% NCUA level for well capitalized and in the adequately capitalized range (6% to 7%).
- Net worth ratio (Q2 2026): 6.46%
- Delinquency ratio (60+ days) (Q2 2026): 0.03%
- Return on assets (Q2 2026): 4.05%
- Loan-to-share ratio (Q2 2026): 84.24%
Harvard Community Credit Union (NCUA charter 60201, established 1956) reported $21.1M in assets and 3,291 members for Q2 2026 from Harvard, Illinois. It ranks 97 of 185 credit unions in Illinois by total assets. Total assets grew 3.8% from $20.4M on June 30, 2025. It has 79 more members than on June 30, 2025 (+2.5%). Its net worth ratio was down 0.97 percentage points from 7.43% on June 30, 2025. Used vehicle loans are its largest loan category, $10.2M of $16.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.03% is below 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: 5.43% for Q1 2026; 7.43% 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: 1.30% for Q1 2026; 1.63% for Q2 2025.
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: -6.14% for Q1 2026; 0.97% 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: 82.15% for Q1 2026; 84.49% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $10.2M
- 1- to 4-family residential and other consumer real estate loans: $3.0M
- Other unsecured loans and lines of credit: $1.5M
- Other secured non-real estate loans and lines of credit: $1.1M
- New vehicle loans: $699K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $21.1M | 6.46% | 0.03% | 4.05% | 84.24% |
| March 31, 2026 | $21.2M | 5.43% | 1.30% | -6.14% | 82.15% |
| December 31, 2025 | $20.1M | 7.33% | 1.11% | -0.79% | 87.01% |
| September 30, 2025 | $20.0M | 7.59% | 0.66% | -0.55% | 85.81% |
| June 30, 2025 | $20.4M | 7.43% | 1.63% | 0.97% | 84.49% |
| March 31, 2025 | $20.7M | 7.21% | 1.99% | -8.58% | 83.79% |
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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.
Harvard Community Credit Union profile
Regulator records: NCUA credit union profile (charter 60201) · FFIEC NIC profile (RSSD 217590)
Frequently asked questions
Is Harvard Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Harvard Community Credit Union's net worth ratio is 6.46%, below the 7% NCUA level for well capitalized and in the adequately capitalized range (6% to 7%).
Is Harvard Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Harvard Community Credit Union is a federally insured credit union (NCUA charter 60201): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Harvard Community Credit Union's key safety ratios?
For Q2 2026, Harvard Community Credit Union reports net worth 6.46%, delinquency 0.03%, ROA 4.05%, loan-to-share 84.24%.
What happens to my money if Harvard Community Credit Union fails?
For Q2 2026, Harvard Community Credit Union held $19.7M in shares and deposits for 3,291 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.