Federal credit union · Heath, Ohio · NCUA charter #20302
HARVEST
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $42.3M
- Total assets
- 2,267
- Members
- 12.9%
- Net-worth ratio
HARVEST scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $42.3M; members 2,267; net-worth ratio 12.93%; health rank #2,272 of 4,374; healthier than 46th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,272 of 4,374 health · 2025Q4HARVEST · health 83/100 · $42.3M · 2025Q4
- PHOTO 83/100
- BOOK 12.9%
- CHARTER 0.92%
- NCUSIF 0.87%
- CAMELS $42.3M
- HEALTH 2,267
- NW #2,272/4,374
- DELQ North Platte Union Pacific Employee
- ROA 20302
Call Report peers
HARVEST in the assets neighbourhood
HARVEST's $42.3M assets sit next to North Platte Union Pacific Employee ($42.3M) 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.
HARVEST 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
83 46th percentile higher than 46% 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
HARVEST - Share Insurance Coverage
Charter #20302'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.
Where HARVEST diverges from peer averages
- Delinquency Rate leads the peer set - 0.92% here, 1.15% peer average (-0.22 pp).
- Largest lag: Loan-to-Share Ratio at 46.84% vs peer 59.80% (-12.96 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for HARVEST
- Health composite ranks #99 of 196 among scored Ohio credit unions.
- By total assets, HARVEST is #114 of 196 in Ohio.
- Member book place in Ohio: #140 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
HARVEST Call Report trajectory
HARVEST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $42.3M (2025Q4) to $42.5M (2026Q1).
- Net-worth ratio shifted +0.26 pp (12.67% → 12.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.93%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.8 pts
- Return on Assets 15.0 pts
- Member Growth 7.3 pts
- Loan-to-Share Ratio 9.9 pts
HARVEST vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.93% | -1.93 pp |
| Delinquency Rate | 0.92% | -0.22 pp |
| Return on Assets | 0.87% | +0.17 pp |
| Member Growth | -0.92% | - |
| Loan-to-Share Ratio | 46.84% | -12.96 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $42.5M | - |
| 2025Q4 | $42.3M | 2,267 |
| 2024Q4 | $38.7M | 2,288 |
| 2023Q4 | $38.3M | 2,345 |
Credit Union Details
- Charter Number
- 20302
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Heath
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, HARVEST runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| Harvest Federal Credit Union (Main Office) | Heath, OH |
| Secure Data 365 | Canton, OH |
| Secure Data 365 | Cleveland, OH |
| TrueCore Federal Credit Union | Newark, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
HARVEST nationwide neighbourhoods
Two NCUA Call Report peer sets for HARVEST, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($42.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- HARVEST ranks #2,272 of 4,374 nationally on financial health and #99 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Horizon is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Horizon
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 HARVEST financially healthy?
A 12.93% net worth ratio and a 0.92% delinquency rate feed into HARVEST's financial health score of 83/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,272 of 4,374; by total assets it ranks #2,548 of 4,374 nationally (same basis as /rankings/largest); and #114 of 196 within Ohio. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does HARVEST compare to other credit unions?
HARVEST scores 83/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 HARVEST?
HARVEST 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 HARVEST directly for the exact boundaries and application steps.
Is my money safe at HARVEST?
Federal credit unions like HARVEST 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. HARVEST's net worth ratio of 12.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HARVEST offer compared to banks?
Credit unions like HARVEST 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 HARVEST 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.