State credit union · HARVARD, Illinois · NCUA charter #60201
Harvard Community
Health score 48/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 48
- Health / 100
- $20.1M
- Total assets
- 3,242
- Members
- 5.4%
- Net-worth ratio
Harvard Community scores 48/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.1M; members 3,242; net-worth ratio 5.43%; health rank #4,293 of 4,374; healthier than 2nd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,293 of 4,374 health · 2025Q4Harvard Community · health 48/100 · $20.1M · 2025Q4
- CAMELS 48/100
- HEALTH 5.4%
- NW 1.11%
- DELQ -0.99%
- ROA $20.1M
- ASSETS 3,242
- MEM #4,293/4,374
- RANK Diversified General
- PHOTO 60201
Call Report peers
Harvard Community in the assets neighbourhood
Harvard Community's $20.1M assets sit next to Diversified General ($20.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Harvard Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
48 2nd percentile higher than 2% 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
Harvard Community - Share Insurance Coverage
Charter #60201's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Harvard Community vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +27.21 pp (87.01% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -9.43 pp (5.43% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Harvard Community: in-state Call Report ranks
- In Illinois, health place is #189 of 192 on the same NCUA-ratio sort used nationally.
- Assets rank #105 of 192 inside Illinois ($20.1M reported).
- Membership ranks #84 of 192 among Illinois CUs with a reported count (3,242 members).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Harvard Community's 5300 filing moved
Harvard Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.3% from $20.1M (2025Q4) to $21.2M (2026Q1).
- Net-worth ratio shifted -1.90 pp (7.33% → 5.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This institution's 5.43% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 48/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 48.
- Net Worth Ratio 13.6 pts
- Delinquency Rate 19.2 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for Harvard Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 5.43% | -9.43 pp |
| Delinquency Rate | 1.11% | -0.04 pp |
| Return on Assets | -0.99% | -1.70 pp |
| Member Growth | -5.12% | - |
| Loan-to-Share Ratio | 87.01% | +27.21 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Harvard Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.2M | - |
| 2025Q4 | $20.1M | 3,242 |
| 2024Q4 | $20.9M | 3,417 |
| 2023Q4 | $23.0M | 3,117 |
Credit Union Details
- Charter Number
- 60201
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- HARVARD
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Harvard Community runs 2 offices.
| Office | City |
|---|---|
| HCCU (Main Office) | HARVARD, IL |
| HCCU | HARVARD, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Harvard Community
Cross-state asset and health neighbours for Harvard Community - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($20.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (48/100 here).
Using this data
- Harvard Community ranks #4,293 of 4,374 nationally on financial health and #189 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Chicago Firemans Assoc is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Chicago Firemans Assoc
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Harvard Community financially healthy?
A 5.43% net worth ratio and a 1.11% delinquency rate feed into Harvard Community's financial health score of 48/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,293 of 4,374; by total assets it ranks #3,146 of 4,374 nationally (same basis as /rankings/largest); and #105 of 192 within Illinois. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Harvard Community compare to other credit unions?
48/100 is Harvard Community's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Harvard Community?
Membership eligibility for Harvard Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Harvard Community directly for current membership requirements and application steps.
Is my money safe at Harvard Community?
Federal credit unions like Harvard Community are 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 Community's net worth ratio of 5.43% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Harvard Community offer compared to banks?
Credit unions like Harvard Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Harvard Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.