State credit union · Cordele, Georgia · NCUA charter #67563
Harris Employees
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $708K
- Total assets
- 188
- Members
- 33.7%
- Net-worth ratio
Harris Employees scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $708K; members 188; net-worth ratio 33.65%; health rank #301 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#301 of 4,374 health · 2025Q4Harris Employees · health 95/100 · $708K · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Harris Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Harris Employees sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Harris Employees: Call Report deltas vs peers
- Strongest edge vs 243 Under $2M peers is Loan-to-Share Ratio: +18.28 pp (70.98% vs 52.70%).
Where Harris Employees sits in Georgia
- Georgia health ordinal: #9 of 74.
- Assets rank #72 of 74 inside Georgia ($708K reported).
- Membership ranks #73 of 74 among Georgia CUs with a reported count (188 members).
- One place up in Georgia, Georgia United (#8) scores 96/100, 1 point higher; one place down, Rome Kraft Employees (#10) ties at 95/100.
Harris Employees Call Report trajectory
Harris Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -8.5% from $708K (2025Q4) to $648K (2026Q1).
- Net-worth ratio shifted +2.77 pp (30.88% → 33.65%).
33.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Harris Employees gives up 5 points in total. Member Growth costs the most, 5.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 15.4 pts
Harris Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 33.65% | +10.72 pp |
| Delinquency Rate | 0.26% | -4.22 pp |
| Return on Assets | 0.94% | +0.72 pp |
| Member Growth | 0.53% | - |
| Loan-to-Share Ratio | 70.98% | +18.28 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $648K | - |
| 2025Q4 | $708K | 188 |
| 2024Q4 | $656K | 187 |
| 2023Q4 | $703K | 181 |
Credit Union Details
- Charter Number
- 67563
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Georgia
- City
- Cordele
- Data Quarter
- 2025Q4
Branch Location
Harris Employees operates a single office in Cordele, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| HARRIS EMPLOYEES CREDIT UNION (Main Office) | Cordele, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
A look at other Georgia credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Harris Employees ranks #301 of 4,374 nationally on financial health and #9 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- F a B Church is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with F a B Church
Frequently Asked Questions
Is Harris Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Harris Employees scores 95/100 (Excellent), with a 33.65% net worth ratio and 0.26% of loans delinquent. It ranks #301 of 4,374 nationally on health and #9 of 74 in Georgia.
How does Harris Employees compare to other credit unions?
Harris Employees scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (70.98% vs 52.70%).
How can I join Harris Employees?
Membership eligibility for Harris Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Harris Employees directly for current membership requirements and application steps.
Is my money safe at Harris Employees?
Harris Employees is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Harris Employees's net worth ratio of 33.65% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.