Credit union call report ยท Cambridge, MA
Harvard Federal Credit Union Call Report
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Harvard Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 412 filed line items, in the form's order. Dollar amounts are whole dollars as filed.
| Call report form | NCUA 5300 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| NCUA charter number | 24959 |
| Federal Reserve RSSD ID | 169596 |
The official copy: search charter number 24959 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.
Harvard Federal Credit Union call report, Q2 2026
Statement of Financial Condition (35 items)
| Line item | Account | Q2 2026 |
|---|---|---|
| 1a. Coin and Currency | AS0004 | $1.7M |
| 1c. Total Cash on Hand | 730A | $1.7M |
| 2b. Cash on Deposit in Federal Reserve Bank | AS0003 | $65.5M |
| 2c. Cash on Deposit in Other Financial Institutions | 730B2 | $6.5M |
| 2. Cash on Deposit (total) | 730B | $72.0M |
| 3. Time Deposits in Banks and Credit Unions | AS0007 | $3.8M |
| 5. TOTAL CASH AND OTHER DEPOSITS | AS0009 | $77.4M |
| 8. Available-for-Sale Debt Securities | AS0067 | $94.2M |
| 11. TOTAL INVESTMENT SECURITIES | AS0013 | $94.2M |
| 12c. All Other Investments | AS0016 | $10.4M |
| 13. TOTAL OTHER INVESTMENTS | AS0017 | $10.4M |
| 14. Loans Held for Sale | 003 | $9.3M |
| 15a. Number of Total Loans and Leases | 025A | 33,544 |
| 15b. Total Loans and Leases | 025B | $1.01B |
| 17. ACL on Loans and Leases | AS0048 | $6.9M |
| 20. Other Fixed Assets | 008 | $1.7M |
| 21. NCUA Share Insurance Capitalization Deposit | 794 | $8.3M |
| 22b. Mortgage Servicing Rights | 779 | $8.5M |
| 22d. Accrued Interest on Loans | 009A | $8.0M |
| 22e. Accrued Interest on Investments | 009B | $450K |
| 22f. All Other Assets | 009C | $18.2M |
| 22g. Total Other Assets | AS0036 | $35.2M |
| 23. TOTAL ASSETS | 010 | $1.24B |
| Accounts Payable and Other Liabilities | 825 | $21.9M |
| Accrued Dividends and Interest Payable | 820A | $2K |
| ACL on Off-Balance-Sheet Exposures | LI0003 | $140K |
| Borrowings (total) | 860C | $184.8M |
| Member Shares of All Types | 013 | $922.7M |
| Total Shares and Deposits | 018 | $922.7M |
| Undivided Earnings | 940 | $103.4M |
| Other Reserves | 658 | $3.8M |
| Net Income (equity) | 602 | $1.7M |
| Total Net Worth | 997 | $108.9M |
| Net Worth Ratio | 998 | 8.81% |
| TOTAL LIABILITIES, SHARES, AND EQUITY | 014 | $1.24B |
Statement of Income and Expense (25 items)
| Line item | Account | Q2 2026 |
|---|---|---|
| 1. Interest on Loans and Leases | 110 | $25.1M |
| 3. Income from Investments | 120 | $2.2M |
| 5. TOTAL INTEREST INCOME | 115 | $27.3M |
| 6. Dividends on Shares | 380 | $6.8M |
| 8. Interest on Borrowed Money | 340 | $3.4M |
| 9. TOTAL INTEREST EXPENSE | 350 | $10.2M |
| 10. NET INTEREST INCOME | IS0010 | $17.0M |
| 12a. Credit Loss Expense - Loans and Leases | IS0011 | $1.4M |
| 12e. Total Credit Loss Expense | IS0017 | $1.4M |
| 13. Fee Income | 131 | $1.3M |
| 14. Other Operating Income | IS0020 | $2.4M |
| 17. Gain (Loss) on Derivatives | 421 | -$1K |
| 19. Gain (Loss) on Sale of Loans | IS0029 | $120K |
| 23. TOTAL NON-INTEREST INCOME | 117 | $3.8M |
| 24. Employee Compensation and Benefits | 210 | $9.0M |
| 25. Travel and Conference | 230 | $232K |
| 26. Office Occupancy | 250 | $964K |
| 27. Office Operations | 260 | $3.4M |
| 28. Educational and Promotional | 270 | $685K |
| 29. Loan Servicing | 280 | $2.4M |
| 30. Professional and Outside Services | 290 | $346K |
| 32. Operating Fees | 320 | $117K |
| 33. Miscellaneous Operating Expense | 360 | $639K |
| 34. TOTAL NON-INTEREST EXPENSE | 671 | $17.8M |
| 35. NET INCOME | 661A | $1.7M |
Statement pages - all other filed accounts (24 items)
delinquency (21%), credit cards (21%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent | 020B | $2.9M |
| Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent | 021B | $5.2M |
| Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent | 022B | $1.7M |
| Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent | 023B | $2.3M |
| Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. | 024B | $350K |
| Loans Granted Year-to-Date | 031A | $2K |
| Amount of Loans Granted Year-to-Date | 031B | $109.1M |
| Total Amount of Delinquent Loans & Leases (Two or more months) | 041B | $11.4M |
| Number of current members (not number of accounts) | 083 | 59,763 |
| Number of potential members | 084 | 500,000 |
| Net Member Business Loan Balance | 400A | $1.3M |
| Interest Rate of Unsecured Credit Card Loans | 521 | 1,550.00% |
| Interest Rate of All Other Unsecured Loans/Lines of Credit | 522 | 1,075.00% |
| Interest Rate of New Vehicle Loans | 523 | 570.00% |
| Interest Rate of Used Vehicle Loans | 524 | 625.00% |
| Total Amount of All Loans Charged Off Year-to-Date | 550 | $2.3M |
| Total Amount of All Year-to-Date Recoveries on Charged-Off Loans | 551 | $132K |
| Amount of Regular Shares | 657 | $273.7M |
| Amount of Share Drafts | 902 | $201.3M |
| IRA/KEOGH Accounts - < 1 Year | 906A | $10.0M |
| Share Certificates - < 1 Year | 908A | $283.0M |
| Total Amount of Share Certificates | 908C | $325.5M |
| Total Amount of Money Market Shares | 911 | $108.7M |
| Number of Used Vehicle Loans | 968 | 658 |
NCUA form-section FS220A (28 items)
loans and leases (25%), income and expense (25%), shares and deposits (19%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Shares - < 1 Year | 013A | $876.8M |
| Total Shares - 1-3 Years | 013B1 | $42.8M |
| Total Shares - > 3 Years | 013B2 | $3.1M |
| Total Shares and Deposits - < 1 Year | 018A | $876.8M |
| Total Shares and Deposits - 1-3 Years | 018B1 | $42.8M |
| Total Shares and Deposits - > 3 Years | 018B2 | $3.1M |
| Number of Total Delinquent Loans & Leases (Two or more months) | 041A | 504 |
| Effective date of last audit | 063 | $122K |
| Amount of Used Vehicle Loans | 370 | $7.6M |
| Amount of New Vehicle Loans | 385 | $1.5M |
| Amount of Unsecured Credit Card Loans | 396 | $50.3M |
| Amount of All Other Unsecured Loans/Lines of Credit | 397 | $31.1M |
| Share Certificates | 451 | $8K |
| Number of Accounts for Share Drafts | 452 | 36,371 |
| IRA/KEOGH Accounts | 453 | $1K |
| Number of Accounts for Regular Shares | 454 | 69,567 |
| Money Market Shares | 458 | $4K |
| Number of Accounts for Total Shares and Deposits (Sum of items 15-16) | 460 | 119,304 |
| Number of credit union employees who are Full-Time (26 hours or more) | 564A | 145 |
| Number of credit union employees who are Part-Time (25 hours or less per week) | 564B | 2 |
| Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) | 567 | $33.0M |
| Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) | 568 | 1,626.00% |
| Amount of real estate loans sold but serviced by the credit union | 779A | $338.6M |
| Amount of Borrowings Subject to Early Repayment at Lender's Option | 865A | $132.0M |
| Total credit lines | 881 | $432.9M |
| Draws against lines of credit, less than 1 year | 883A | $107.6M |
| Draws against lines of credit, 1 to 3 years | 883B1 | $77.2M |
| Draws against lines of credit, total amount | 883C | $184.8M |
NCUA form-section FS220B (32 items)
maturity and repricing buckets (40%), credit cards (17%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent | 026B | $548K |
| Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent | 027B | $532K |
| Amount of Delinquent Unsecured Credit Card Loans as of - 12 months and over delinquent | 028B | $39K |
| Number - Total Delinquent Credit Card Loans | 045A | 168 |
| Total Amount of Delinquent Unsecured Credit Card Loans | 045B | $1.4M |
| Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) | 065A4 | $92.8M |
| Total Uninsured Shares and Deposits > $250K (F+J) | 068A | $92.8M |
| Total Insured Shares and Deposits > $250K (item 17 less item K) | 069A | $829.9M |
| Effective date of the most recent Supervisory Committee verification of Member's accounts | 603 | $92K |
| Amount of Regular Shares - < 1 Year | 657A | $273.7M |
| Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date | 680 | $1.1M |
| Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off | 681 | $25K |
| Total Amount of All First Mortgage Loans which have been sold in the secondary market year-to-date | 736 | $10.8M |
| Total Borrowings - < 1 Year | 860A | $107.6M |
| Total Borrowings - 1-3 Years | 860B1 | $77.2M |
| Does you credit union maintain share/deposit insurance coverage other than the NCUSIF? | 875 | $1 |
| Dollar amount of shares and/or deposits insured by the company named above | 877 | $92.8M |
| Is your credit union a member of a Federal Home Loan Bank? | 896 | $1 |
| Amount of Share Drafts - < 1 Year | 902A | $201.3M |
| IRA/KEOGH Accounts - 1-3 Years | 906B1 | $2.5M |
| IRA/KEOGH Accounts - > 3 Years | 906B2 | $909K |
| Total Amount of IRA/KEOGH Accounts | 906C | $13.5M |
| Share Certificates - 1-3 Years | 908B1 | $40.3M |
| Share Certificates - > 3 Years | 908B2 | $2.2M |
| Money Market Shares - < 1 Year | 911A | $108.7M |
| Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff | 956 | $2.9M |
| Number of New Vehicle Loans | 958 | 111 |
| Total Shares | 966 | $119K |
| Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. | 971 | $1.3M |
| Number of Unsecured Credit Card Loans | 993 | 16,152 |
| Number of All Other Unsecured Loans/Lines of Credit | 994 | 4,386 |
| Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff | 995 | 24 |
NCUA form-section FS220C (5 items)
charge-offs and recoveries (27%), participation loans (18%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records | 064 | $1 |
| Number of credit union branches (include the main office if member services are conducted at that location) | 566 | 6 |
| Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 | 638 | $189.2M |
| Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 | 639 | $2.5M |
| Amount of Participation Loans Sold Year-to-Date | 691 | $25.4M |
NCUA form-section FS220D (34 items)
member services and products offered (69%), CUSO relationships (27%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Does the credit union provide member services through a credit union shared branch services center? | 566A | $1 |
| No Cost Share Drafts | 879A4 | $1 |
| Financial Counseling | 879B1 | $1 |
| Financial Education | 879B2 | $1 |
| Financial Literacy Workshops | 879B3 | $1 |
| First Time Homebuyer Program | 879B4 | $1 |
| Credit Management and Repair | 879B6 | $1 |
| Online Financial Literacy | 879B7 | $1 |
| Bilingual Services | 879C1 | $1 |
| No Cost Bill Payer | 879C2 | $1 |
| Student Scholarships | 879C4 | $1 |
| Mortgage Processing | 879G | $1 |
| Approved Mortgage Seller | 879H | $1 |
| Brokered Certificates of Deposits | 879N | $1 |
| International Remittances | 879V | $1 |
| Low-cost wire transfers | 879W | $1 |
| Member Application | 887A | $1 |
| Loan Application | 887B | $1 |
| New Share Account | 887E | $1 |
| Loan Payments | 887F | $1 |
| Bill Payment | 887J | $1 |
| External or Third-Party Account Aggregation | 887M | $1 |
| Electronic Signature Authentication/Certification | 887P | $1 |
| e-Statements | 887R | $1 |
| External Transfers/Payment ? ACH | 887S | $1 |
| Remote Deposit Capture | 887U | $1 |
| MobilePmts | 887V | $1 |
| Informational Website | PI0007 | $1 |
| Mobile Application | PI0008 | $1 |
| Online Banking | PI0009 | $1 |
| Person-to-Person | PI0011 | $1 |
| Offer Custodial Accounts | PP0032 | $1 |
| Does the CU offer an ATM Network that is surcharge free? | PP0034 | $1 |
| CU offer Shared service network | PP0058 | $1 |
NCUA form-section FS220G (5 items)
loans and leases (32%), participation loans (18%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Outstanding Amount of Participation Loans Sold By Type | 691N | $22.0M |
| Outstanding Amount of Real Estate Participation Loans Sold | 691N2 | $22.0M |
| Total Value of Investments in CUSOs | 851 | $2.2M |
| Total Aggregate Cash Outlay in CUSOs | 853 | $999K |
| Assets Pledged to Secure Borrowings | 878 | $562.2M |
NCUA form-section FS220H (12 items)
student loans (43%), delinquency (27%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Amount of Non-Federally Guaranteed Student Loans - 1 to <2 months | 020T | $2.3M |
| Amount of Non-Federally Guaranteed Student Loans - 2 to <6 months | 021T | $3.7M |
| Amount of Non-Federally Guaranteed Student Loans - 6 to <12 months | 022T | $1.2M |
| Amount of Non-Federally Guaranteed Student Loans - 12 months and over | 023T | $2.3M |
| Total Amount of Reportable Delinquency Non-Federally Guaranteed Student Loans | 041T | $8.6M |
| Total number of reportable Non-Federally Guaranteed Student Loans delinquent | 053E | $315 |
| Non-Federally Guaranteed Student Loans YTD Charge Offs | 550T | $984K |
| Non-Federally Guaranteed Student Loans YTD Recoveries | 551T | $81K |
| Interest Rate on Non-Federally Guaranteed Student Loans | 595A | 750.00% |
| Amount of Non-Federally Guaranteed Student Loans | 698A | $260.3M |
| Total Unfunded Commitments for all loan types | 816A | $515.7M |
| Number of Non-Federally Guaranteed Student Loans | 963A | 8,798 |
NCUA form-section FS220I (11 items)
vehicle lending (59%), delinquency (44%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Amount of New Vehicle Loans Delinquent 30 to 59 days | 020C1 | $51K |
| Amount of Used Vehicle Loans Delinquent 30 to 59 days | 020C2 | $16K |
| Amount of Used Vehicle Loans Delinquent 60 to 179 days | 021C2 | $29K |
| Amount of Used Vehicle Loans Delinquent 180 to 359 days | 022C2 | $14K |
| Number of Reportable Delinquent Used Vehicle Loans | 035E2 | 3 |
| Amount of Reportable Delinquent Used Vehicle Loans | 041C2 | $44K |
| Commercial Share Accounts | 643 | $13.3M |
| Negative Shares as Included in All Other Unsecured Loans/Lines of Credit | 644 | $197K |
| Draws Against LOCs from FHLB | 885A3 | $184.8M |
| Total Draws Againts LOCs | 885A4 | $184.8M |
| Number of International Remittances originated Year-to-Date | 928 | 314 |
NCUA form-section FS220J (2 items)
investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment | 789E | $1.2M |
| Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) | 789G | $1.2M |
NCUA form-section FS220L (8 items)
commercial and business lending (90%), participation loans (36%), real estate lending (18%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Number of Loans & Leases on Loan Schedule | 025A1 | $34K |
| Total Amount of Loans & Leases on Loan Schedule | 025B1 | $1.01B |
| Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties | 386A | $99.5M |
| Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties | 562A | 615.00% |
| Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties | 563A | 600.00% |
| Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit | 595B | 675.00% |
| Amount of All Other Secured Non-Real Estate Loans/Lines of Credit | 698C | $870K |
| Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties | 703A | $555.4M |
NCUA form-section FS220M (9 items)
commercial and business lending (89%), real estate lending (26%), participation loans (23%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) | 811D | $94.8M |
| Total Unfunded Commitments for Credit Card Lines (Non-Commercial) | 812C | $394.7M |
| Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) | 815C | $2.4M |
| Total Other Unfunded Commitments (Non-Commercial) | 816B5 | $2.4M |
| Total Unfunded Commitments for Non-Commercial Loans | 816T | $515.7M |
| Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) | 822C | $21.4M |
| Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties | 959A | 1,721 |
| Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties | 960A | 1,652 |
| Number of All Other Secured Non-Real Estate Loans/Lines of Credit | 963C | 66 |
NCUA form-section FS220N (8 items)
investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Available-for-sale Debt Securities <=1 Year | AS0062 | $36.3M |
| Available-for-sale Debt Securities >1 and <=3 Years | AS0063 | $34.7M |
| Available-for-sale Debt Securities >3 and <=5 Years | AS0064 | $13.4M |
| Available-for-sale Debt Securities >5 and <= 10 Years | AS0065 | $9.8M |
| Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities | EQ0009 | -$2.1M |
| Total Liabilities | LI0069 | $1.13B |
| (CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses | NW0002 | $1.3M |
| Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility | NW0010 | $1.24B |
NCUA form-section FS220P (23 items)
commercial and business lending (52%), delinquency (49%), real estate lending (23%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit | CH0007 | $217K |
| Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit | CH0008 | $26K |
| Unsecured Credit Card Loans | DL0002 | $268K |
| Non-Federally Guaranteed Student Loans | DL0016 | $1.3M |
| All Other Unsecured Loans/Lines of Credit | DL0022 | $102K |
| All Other Unsecured Loans/Lines of Credit | DL0023 | $22K |
| All Other Unsecured Loans/Lines of Credit | DL0024 | $48K |
| All Other Unsecured Loans/Lines of Credit | DL0025 | $4K |
| All Other Unsecured Loans/Lines of Credit | DL0027 | $74K |
| All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans | DL0028 | $15 |
| Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien | DL0058 | $434K |
| Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien | DL0059 | $846K |
| Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien | DL0062 | $1.3M |
| Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien | DL0063 | $2 |
| Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien | DL0064 | $99K |
| Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien | DL0065 | $35K |
| Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien | DL0069 | $35K |
| Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien | DL0070 | $1 |
| Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases | DL0141 | $2.1M |
| Amount of Consumer Loans in Non-Accrual Status | DL0145 | $8.1M |
| Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate | LQ0015 | $97.2M |
| Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Unsecured | LQ0016 | $418.5M |
| Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total | LQ0017 | $515.7M |
NCUA form-section FS220Q (37 items)
investment portfolio detail (69%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank | LQ0040 | $432.9M |
| Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank | LQ0043 | $562.2M |
| Total Borrowings | LQ0860 | $184.8M |
| Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed | NV0015 | $85.5M |
| Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed | NV0016 | $84.7M |
| Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed | NV0019 | $10.8M |
| Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed | NV0020 | $9.5M |
| Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed | NV0023 | $96.3M |
| Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed | NV0024 | $94.2M |
| Total Amortized Cost Available-for-Sale Debt Securities | NV0083 | $96.3M |
| Total Fair Value Available-for-Sale Debt Securities | NV0084 | $94.2M |
| Investment Maturity Distribution - Time Deposits - <=1 Year | NV0111 | $1.2M |
| Investment Maturity Distribution - Time Deposits - >1-3 Years | NV0112 | $2.0M |
| Investment Maturity Distribution - Time Deposits - >3-5 Years | NV0113 | $500K |
| Investment Maturity Distribution - Time Deposits - Total | NV0116 | $3.8M |
| Investment Maturity Distribution - Available-for-Sale Debt Securities - Total | NV0134 | $94.2M |
| Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years | NV0142 | $10.4M |
| Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total | NV0146 | $10.4M |
| Investment Maturity Distribution - Total Investment Securities - <=1 Year | NV0153 | $37.6M |
| Investment Maturity Distribution - Total Investment Securities - >1-3 Years | NV0154 | $47.1M |
| Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years | NV0155 | $13.9M |
| Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years | NV0156 | $9.8M |
| Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) | NV0158 | $108.3M |
| Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Remaining Premiums | NV0169 | $8.5M |
| Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value | NV0170 | $953K |
| RBC Total Equity | RB0001 | $108.9M |
| RBC Allowance for Credit Losses | RB0002 | $7.0M |
| RBC Total Additions | RB0005 | $7.0M |
| RBC Total Deductions | RB0009 | $8.3M |
| RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction | RB0010 | $107.6M |
| RBC Risk-Based Capital Numerator | RB0012 | $107.6M |
| RBC Total for Risk Weighting Cash and Deposits in Financial Institutions or Reserve Banks | RB0014 | $77.4M |
| RBC Cash and Deposits in Financial Institutions or Reserve Banks 0% Weight | RB0015 | $70.6M |
| RBC Cash, Cash Equivalents, Deposits in Financial Institutions or Reserve Banks 20% Weight | RB0016 | $6.8M |
| RBC Total for Risk Weighting Securities | RB0019 | $94.2M |
| RBC Securities 0% Weight | RB0020 | $94.2M |
| Participation Loans: Participations Sold - Sold Year-To-Date - Amount - 1- to 4-Family Residential Property | SL0047 | $25.4M |
NCUA form-section FS220R (104 items)
risk-based capital and leverage ratio (68%), real estate lending (28%)
| Line item | Account | Q2 2026 |
|---|---|---|
| CCULR Off-Balance sheet exposures | LR0002 | $515.7M |
| CCULR Off-Balance sheet exposures ratio | LR0003 | 4,171.00% |
| RBC Total for Risk Weighting Other Investments | RB0029 | $10.4M |
| RBC Other Investments 20% Weight | RB0031 | $10.4M |
| RBC Schedule Total Investments | RB0039 | $104.6M |
| RBC Total for Risk Weighting Total Investments | RB0041 | $104.6M |
| RBC Total Investments 0% Weight | RB0042 | $94.2M |
| RBC Total Investments 20% Weight | RB0043 | $10.4M |
| RBC Adjustments to First Lien Residential Real Estate Loans | RB0051 | $36.9M |
| RBC Total for Risk Weighting First Lien Residential Real Estate Loans | RB0052 | $592.4M |
| RBC First Lien Residential Real Estate Loans 50% Weight | RB0053 | $432.7M |
| RBC First Lien Residential Real Estate Loans 75% Weight | RB0054 | $158.8M |
| RBC First Lien Residential Real Estate Loans 100% Weight | RB0055 | $846K |
| RBC Adjustments to Junior Lien Residential Real Estate Loans | RB0056 | -$27.6M |
| RBC Total for Risk Weighting Junior Lien Residential Real Estate Loans | RB0057 | $71.9M |
| RBC Junior Lien Residential Real Estate Loans 100% Weight | RB0058 | $71.9M |
| RBC Schedule Total Consumer Loans | RB0060 | $351.6M |
| RBC Total for Risk Weighting Consumer Loans | RB0062 | $351.6M |
| RBC Consumer Loans 0% Weight | RB0063 | $38K |
| RBC Consumer Loans 75% Weight | RB0065 | $9.1M |
| RBC Consumer Loans 100% Weight | RB0066 | $334.1M |
| RBC Consumer Loans 150% Weight | RB0067 | $8.4M |
| RBC Adjustments to Loans Held for Sale | RB0075 | -$9.3M |
| RBC Total for Risk Weighting Allowance for Credit Losses (Loans) | RB0077 | $6.9M |
| RBC Allowance for Credit Losses (Loans) 0% Weight | RB0078 | $6.9M |
| RBC Schedule Total Loans | RB0079 | $1.01B |
| RBC Total for Risk Weighting Total Loans | RB0081 | $1.01B |
| RBC Total Loans 0% Weight | RB0082 | -$6.8M |
| RBC Total Loans 50% Weight | RB0084 | $432.7M |
| RBC Total Loans 75% Weight | RB0085 | $167.9M |
| RBC Total Loans 100% Weight | RB0086 | $406.8M |
| RBC Total Loans 150% Weight | RB0087 | $8.4M |
| RBC Schedule Total Other Assets | RB0088 | $45.2M |
| RBC Total for Risk Weighting Other Assets | RB0090 | $45.2M |
| RBC Other Assets 0% Weight | RB0091 | $8.3M |
| RBC Other Assets 100% Weight | RB0092 | $28.4M |
| RBC Other Assets 250% Weight | RB0094 | $8.5M |
| RBC Total from Schedule On-Balance Sheet Assets | RB0099 | $1.24B |
| RBC Total Adjustments to Schedule On-Balance Sheet Assets | RB0100 | $1.24B |
| RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight | RB0101 | $166.3M |
| RBC Total Risk Weighted On-Balance Sheet Assets 20% Weight | RB0102 | $17.2M |
| RBC Total Risk Weighted On-Balance Sheet Assets 50% Weight | RB0103 | $432.7M |
| RBC Total Risk Weighted On-Balance Sheet Assets 75% Weight | RB0104 | $167.9M |
| RBC Total Risk Weighted On-Balance Sheet Assets 100% Weight | RB0105 | $435.2M |
| RBC Total Risk Weighted On-Balance Sheet Assets 150% Weight | RB0106 | $8.4M |
| RBC Total Risk Weighted On-Balance Sheet Assets 250% Weight | RB0107 | $8.5M |
| RBC Schedule Total Risk Weighted Assets - On-Balance Sheet | RB0112 | $814.9M |
| RBC Total Risk Weighted Assets - On-Balance Sheet 20% Weight | RB0113 | $3.4M |
| RBC Total Risk Weighted Assets On-Balance Sheet 50% Weight | RB0114 | $216.4M |
| RBC Total Risk Weighted Assets On-Balance Sheet 75% Weight | RB0115 | $125.9M |
| RBC Total Risk Weighted Assets On-Balance Sheet 100% Weight | RB0116 | $435.2M |
| RBC Total Risk Weighted Assets On-Balance Sheet 150% Weight | RB0117 | $12.6M |
| RBC Total Risk Weighted Assets On-Balance Sheet 250% Weight | RB0118 | $21.3M |
| RBC Unfunded Commitment Secured Consumer Loans Credit Equivalent Amount | RB0125 | $9.7M |
| RBC Unfunded Commitment Secured Consumer Loans 50% Weight | RB0126 | $240K |
| RBC Unfunded Commitment Secured Consumer Loans 100% Weight | RB0128 | $9.5M |
| RBC Unfunded Commitment Unsecured Consumer Loans Credit Equivalent Amount | RB0129 | $41.8M |
| RBC Unfunded Commitment Unsecured Consumer Loans 100% Weight | RB0130 | $41.8M |
| RBC Total Off-Balance Sheet and Derivative Credit Equivalent Amount | RB0153 | $51.6M |
| RBC Total Off-Balance Sheet and Derivative 50% Weight | RB0158 | $240K |
| RBC Total Off-Balance Sheet and Derivative 100% Weight | RB0160 | $51.3M |
| RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative | RB0162 | $51.4M |
| RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative 50% Weight | RB0166 | $120K |
| RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative 100% Weight | RB0168 | $51.3M |
| RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts | RB0170 | $1.29B |
| RBC Total Risk-Weighted Assets | RB0171 | $866.3M |
| RBC Total Risk Based Capital Ratio | RB0172 | 1,242.00% |
| RBC Allowance for Credit Losses (Loans) | RB0177 | $6.9M |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years | RL0001 | 1,077.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years | RL0002 | 341,246,622.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years | RL0003 | 25,859,890.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less | RL0004 | 280.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less | RL0005 | 47,017,254.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less | RL0006 | 3,217,000.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years | RL0007 | $303 |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years | RL0008 | $139.1M |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years | RL0009 | $14.9M |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less | RL0010 | $75 |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less | RL0011 | $28.0M |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less | RL0012 | $10.2M |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total | RL0016 | $555.4M |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total | RL0017 | $54.2M |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate | RL0018 | 410.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate | RL0019 | 33,461,900.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate | RL0020 | 2,550,590.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate | RL0027 | 1,242.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate | RL0028 | 66,050,431.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate | RL0029 | 13,891,178.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total | RL0030 | $99.5M |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total | RL0031 | $16.4M |
| Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding | RL0046 | $3K |
| Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding | RL0047 | $655.0M |
| Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD | RL0048 | $70.6M |
| Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years | RL0050 | $150.9M |
| Total Shares | SH0013 | $922.7M |
| Total Shares and Deposits | SH0018 | $922.7M |
| Number of Outstanding Loans Purchased from Other Financial Institutions | SL0018 | 29 |
| Amount of Outstanding Loans Purchased from Other Financial Institutions | SL0019 | $27.0M |
| Number of Loans Sold, Year-to-date | SL0022 | 25 |
| Amount of Loans Sold, Year-to-date | SL0023 | $10.8M |
| Number of First Mortgage loans sold on the secondary market, Year-to-date | SL0024 | 25 |
| Number of Real Estate Loans Sold with Servicing Retained, Year-to-date | SL0028 | 25 |
| Amount of Real Estate Loans Sold with Servicing Retained, Year-to-date | SL0029 | $10.8M |
| Number of Outstanding Real Estate Loans Sold with Servicing Retained | SL0030 | 1,215 |
NCUA form-section FS220S (10 items)
member services and products offered (29%), HMDA and entity identifiers (24%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Does the CU use financial technology companies to provide member services? | PP0037 | $1 |
| Auto Lending | PP0038 | $1 |
| Mortgage Lending | PP0039 | $1 |
| Secured personal loans | PP0040 | $1 |
| Unsecured personal loans | PP0041 | $1 |
| Person-to-Person payments | PP0045 | $1 |
| Communication | PP0047 | $1 |
| Located in Metropolitan Statistical Area (MSA) | PR0001 | $1 |
| home purchase loan or refinanced a home purchase loan | PR0002 | $1 |
| Originated closed-end mortgages in each of the two preceding calendar years or originated open-end lines of credit in each of the two preceding calendar years in excess of the HMDA Loan-Volume Threshold? | PR0003 | $1 |
Harvard Federal Credit Union call reports on file
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Harvard Federal Credit Union call report?
The Harvard Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.
What call report does Harvard Federal Credit Union file?
Harvard Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.
What is the Harvard Federal Credit Union call report number?
A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Harvard Federal Credit Union is 24959.
How often does Harvard Federal Credit Union file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31.
Harvard Federal Credit Union financials and ratios →
New to the 5300? What the NCUA 5300 call report is.