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.
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NCUA 5300 Call Report Masthead
#2,272 of 4,374 health · 2025Q4HARVEST · health 83/100 · $42.3M · 2025Q4
Call Report peers
HARVEST in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); HARVEST sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Ohio, MYUSA (#98) ties at 83/100; one place down, Millstream Area (#100) ties at 83/100.
HARVEST Call Report trajectory
HARVEST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $42.3M (2025Q4) to $42.5M (2026Q1).
- Net-worth ratio shifted +0.26 pp (12.67% → 12.93%).
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
HARVEST gives up 17 points in total. Member Growth costs the most, 7.7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is HARVEST financially healthy?
On its 2025Q4 NCUA 5300 filing, HARVEST scores 83/100 (Excellent), with a 12.93% net worth ratio and 0.92% of loans delinquent. It ranks #2,272 of 4,374 nationally on health and #99 of 196 in Ohio.
How does HARVEST compare to other credit unions?
HARVEST scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.92% vs 1.15%). Its widest shortfall is loan-to-share ratio (46.84% vs 59.80%).
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?
HARVEST 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. HARVEST's net worth ratio of 12.93% 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.