Harvest Federal Credit Union Heath, Ohio
Harvest Federal Credit Union is a federal credit union headquartered in Heath, OH, established in 1970 (NCUA charter 20302), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,247 members and total assets of $43.9M (up 8.9% from Q2 2025), the 113th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 12.80% at Q2 2026, in the well capitalized band.
Also written as Harvest FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 20302
- Headquarters
- Heath, OH
- Established
- 1970
- Total assets, Q2 2026
- $43.9M
- Assets vs Q2 2025
- +8.9%
- Members, Q2 2026
- 2,247
- Net worth ratio, Q2 2026
- 12.80%
- Latest call report
- Q2 2026, NCUA 5300 · Harvest Federal Credit Union call report
- Asset rank in state
- 113th of 191 in Ohio
- Routing number
- 244179027
- Branches
- 4
It has 57 fewer members than on June 30, 2025 (-2.5%). Its net worth ratio was up 0.24 percentage points from 12.56% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $7.0M of $16.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.30% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 12.80% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Ohio
Frequently asked about Harvest Federal Credit Union
How big is Harvest Federal Credit Union?
At Q2 2026 it reported total assets of $43.9M and 2,247 members.
Where is Harvest Federal Credit Union headquartered?
It is headquartered in Heath, OH, United States.
When was Harvest Federal Credit Union founded?
It was established in 1970, per NCUA records.
Is Harvest Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 20302): 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 Harvest Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Harvest Federal Credit Union well capitalized?
Its net worth ratio was 12.80% 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 Harvest Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.30% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Harvest Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 43.70% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Heath, OH 43056
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1970
- NCUA Charter #
- 20302
- RSSD ID
- 864583
- Members
- 2,247
- Potential members
- 178,844
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 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.80% | 14.31% | 38th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.06% | 0.72% | 65th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 8.28% | 4.74% | 72nd above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.83% | 3.93% | 46th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 73.54% | 79.83% | 63rd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.84% | 0.78% | 47th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.30% | 0.86% | 79th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.67% | 4.70% | 48th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 43.70% | 58.92% | 27th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$43.9M total assets against $40.3M; $38.1M total shares and deposits against $35.1M; $16.7M total loans against $16.6M.
$5.6M net worth against $5.1M.
12.80% net worth ratio against 12.56%.
43.70% loan-to-share ratio against 47.22%.
0.30% delinquency ratio against 0.56%.
1.06% return on assets against 1.20%; 8.28% return on equity against 9.54%.
3.83% net interest margin against 3.93%.
2,247 members against 2,304.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.80% | 1.06% | 0.30% | 43.70% |
| March 31, 2026 | 12.93% | 1.29% | 0.22% | 45.17% |
| December 31, 2025 | 12.67% | 1.51% | 0.92% | 46.84% |
| September 30, 2025 | 12.71% | 1.38% | 0.73% | 48.73% |
| June 30, 2025 | 12.56% | 1.20% | 0.56% | 47.22% |
| March 31, 2025 | 12.13% | 0.86% | 0.70% | 41.76% |
Scroll sideways to see every column.
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.