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
Call Report peers
Harvard Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Harvard Community sits in 45-49 with 39 others.
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 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%).
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).
- One place up in Illinois, Northside L (#188) scores 50/100, 2 points higher; one place down, IMPERIAL (#190) scores 47/100, 1 point lower.
How Harvard Community's 5300 filing moved
Harvard Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.3% from $20.1M (2025Q4) to $21.2M (2026Q1).
- Net-worth ratio shifted -1.90 pp (7.33% → 5.43%).
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
Harvard Community gives up 52 points in total. Net Worth Ratio costs the most, 16.4 of its 30; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Harvard Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Harvard Community scores 48/100 (Below Average), with a 5.43% net worth ratio and 1.11% of loans delinquent. It ranks #4,293 of 4,374 nationally on health and #189 of 192 in Illinois.
How does Harvard Community compare to other credit unions?
Harvard Community scores 48/100, higher than 2% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (87.01% vs 59.80%). Its widest shortfall is net worth ratio (5.43% vs 14.86%).
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?
Harvard Community 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. Harvard Community's net worth ratio of 5.43% is relative to 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.