Federal credit union · Cambridge, Massachusetts · NCUA charter #24959
HARVARD
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $1.23B
- Total assets
- 58,391
- Members
- 8.6%
- Net-worth ratio
HARVARD scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.23B; members 58,391; net-worth ratio 8.64%; health rank #3,214 of 4,374; healthier than 26th of scored peers.
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NCUA 5300 Call Report Masthead
#3,214 of 4,374 health · 2025Q4HARVARD · health 76/100 · $1.23B · 2025Q4
Call Report peers
HARVARD in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HARVARD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HARVARD sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HARVARD vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 111.97% vs peer 83.90% (+28.07 pp).
- Net Worth Ratio trails the peer set - 8.64% here, 11.18% peer average (-2.54 pp).
Where HARVARD sits in Massachusetts
- Massachusetts health ordinal: #96 of 126.
- Assets rank #12 of 126 inside Massachusetts ($1.23B reported).
- Membership ranks #12 of 126 among Massachusetts CUs with a reported count (58,391 members).
- One place up in Massachusetts, Members Plus (#95) ties at 76/100; one place down, Arlington Municipal (#97) scores 75/100, 1 point lower.
Quarter path for HARVARD
HARVARD: total assets by quarter
2024Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $1.23B (2025Q4) to $1.25B (2026Q1).
- Net-worth ratio shifted -0.05 pp (8.69% → 8.64%).
8.64% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
HARVARD gives up 24 points in total. Loan-to-Share Ratio costs the most, 9 of its 15; Member Growth loses the least, 1.5.
- Net Worth Ratio 26.6 pts
- Delinquency Rate 22.1 pts
- Return on Assets 7.7 pts
- Member Growth 13.5 pts
- Loan-to-Share Ratio 6.1 pts
HARVARD health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.64% | -2.54 pp |
| Delinquency Rate | 0.79% | -0.09 pp |
| Return on Assets | 0.07% | -0.44 pp |
| Member Growth | 3.75% | - |
| Loan-to-Share Ratio | 111.97% | +28.07 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
HARVARD filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.25B | - |
| 2025Q4 | $1.23B | 58,391 |
| 2024Q4 | $1.22B | 56,279 |
Credit Union Details
- Charter Number
- 24959
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Cambridge
- Data Quarter
- 2025Q4
Branch Locations (6)
HARVARD operates 6 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 104 Mt Auburn (Main Office) | Cambridge, MA |
| MGH | Boston, MA |
| One Brigham Circle | Boston, MA |
| Harvard Square Branch | Cambridge, MA |
| Charlestown Navy Yard | Charlestown, MA |
| Partners' Health | Somerville, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
HARVARD nationwide neighbourhoods
Using this data
- HARVARD ranks #3,214 of 4,374 nationally on financial health and #96 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Anne's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Anne's
Frequently Asked Questions
Is HARVARD financially healthy?
HARVARD has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,214 of 4,374 nationally on health and #96 of 126 in Massachusetts. Its net worth ratio is 8.64% and its delinquency rate 0.79%.
How does HARVARD compare to other credit unions?
HARVARD scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (111.97% vs 83.90%). Its widest shortfall is net worth ratio (8.64% vs 11.18%).
How can I join HARVARD?
HARVARD operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact HARVARD directly for the exact boundaries and application steps.
Is my money safe at HARVARD?
HARVARD is a federal 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. HARVARD's net worth ratio of 8.64% 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.