Credit Union Safety Analysis
Is Harvesters Federal Credit Union Safe? Cantonment, Florida
Based on its Q2 2026 NCUA 5300 call report, Harvesters Federal Credit Union has a net worth ratio of 9.42%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.83%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Harvesters Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Harvesters Federal Credit Union's net worth ratio is 9.42%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.42%
- Delinquency ratio (60+ days) (Q2 2026): 0.83%
- Return on assets (Q2 2026): 0.89%
- Loan-to-share ratio (Q2 2026): 86.72%
Harvesters Federal Credit Union (NCUA charter 24967, established 1948) reported $316.8M in assets and 34,128 members for Q2 2026 from Cantonment, Florida. It ranks 42 of 106 credit unions in Florida by total assets. Total assets grew 8.6% from $291.6M on June 30, 2025. It has 1,610 more members than on June 30, 2025 (+5.0%). Its net worth ratio was up 1.33 percentage points from 8.09% on June 30, 2025. Used vehicle loans are its largest loan category, $94.9M of $246.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.83% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.48% for Q1 2026; 8.09% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.57% for Q1 2026; 0.41% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.91% for Q1 2026; -0.18% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 86.84% for Q1 2026; 88.12% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $94.9M
- 1- to 4-family residential and other consumer real estate loans: $61.5M
- New vehicle loans: $42.4M
- Commercial loans: $36.9M
- Unsecured credit card loans: $5.6M
- Other unsecured loans and lines of credit: $4.0M
- Other secured non-real estate loans and lines of credit: $1.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $316.8M | 9.42% | 0.83% | 0.89% | 86.72% |
| March 31, 2026 | $312.8M | 9.48% | 0.57% | 0.91% | 86.84% |
| December 31, 2025 | $302.5M | 9.58% | 0.64% | 0.41% | 89.18% |
| September 30, 2025 | $292.0M | 8.05% | 0.59% | 0.55% | 87.39% |
| June 30, 2025 | $291.6M | 8.09% | 0.41% | -0.18% | 88.12% |
| March 31, 2025 | $295.0M | 8.04% | 0.31% | 0.55% | 86.74% |
Add this badge to your website
Free to use. It shows Harvesters Federal Credit Union’s latest filed figures and updates each quarter.
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.
Harvesters Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24967) · FFIEC NIC profile (RSSD 571676)
Frequently asked questions
Is Harvesters Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Harvesters Federal Credit Union's net worth ratio is 9.42%, above the 7% NCUA threshold for well capitalized.
Is Harvesters Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Harvesters Federal Credit Union is a federally insured credit union (NCUA charter 24967): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Harvesters Federal Credit Union's key safety ratios?
For Q2 2026, Harvesters Federal Credit Union reports net worth 9.42%, delinquency 0.83%, ROA 0.89%, loan-to-share 86.72%.
What happens to my money if Harvesters Federal Credit Union fails?
For Q2 2026, Harvesters Federal Credit Union held $284.1M in shares and deposits for 34,128 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.