State credit union · Indianapolis, Indiana · NCUA charter #68584
Harvester Financial
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $81.9M
- Total assets
- 8,318
- Members
- 9.7%
- Net-worth ratio
Harvester Financial scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $81.9M; members 8,318; net-worth ratio 9.71%; health rank #3,486 of 4,374; healthier than 20th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,486 of 4,374 health · 2025Q4Harvester Financial · health 72/100 · $81.9M · 2025Q4
Call Report peers
Harvester Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Harvester Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Harvester Financial sits in 70-74 with 317 others.
72 20th percentile higher than 20% 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
Peer-gap read for Harvester Financial
- Loan-to-Share Ratio trails the peer set - 57.37% here, 62.60% peer average (-5.23 pp).
Harvester Financial: in-state Call Report ranks
- In Indiana, health place is #99 of 124 on the same NCUA-ratio sort used nationally.
- By total assets, Harvester Financial is #54 of 124 in Indiana.
- Member book place in Indiana: #44 of 124.
- One place up in Indiana, Haynes Community (#98) ties at 72/100; one place down, TECH (#100) ties at 72/100.
Harvester Financial Call Report trajectory
Harvester Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $81.9M (2025Q4) to $82.4M (2026Q1).
- Net-worth ratio shifted +0.03 pp (9.68% → 9.71%).
9.71% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
Harvester Financial gives up 28 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio loses the least, 0.7.
- Net Worth Ratio 29.3 pts
- Delinquency Rate 17.4 pts
- Return on Assets 12.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.71% | -3.91 pp |
| Delinquency Rate | 1.34% | +0.38 pp |
| Return on Assets | 0.36% | -0.30 pp |
| Member Growth | -6.63% | - |
| Loan-to-Share Ratio | 57.37% | -5.23 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Harvester Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $82.4M | - |
| 2025Q4 | $81.9M | 8,318 |
| 2024Q4 | $82.5M | 8,909 |
| 2023Q4 | $66.6M | 5,271 |
Credit Union Details
- Charter Number
- 68584
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Indiana
- City
- Indianapolis
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Harvester Financial runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Indianapolis (Main Office) | Indianapolis, IN |
| Rockville Road | Indianapolis, IN |
| Shelbyville | Shelbyville, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Harvester Financial
Using this data
- Harvester Financial ranks #3,486 of 4,374 nationally on financial health and #99 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kemba Indianapolis is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kemba Indianapolis
Frequently Asked Questions
Is Harvester Financial financially healthy?
Harvester Financial has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,486 of 4,374 nationally on health and #99 of 124 in Indiana. Its net worth ratio is 9.71% and its delinquency rate 1.34%.
How does Harvester Financial compare to other credit unions?
Harvester Financial scores 72/100, higher than 20% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (57.37% vs 62.60%).
How can I join Harvester Financial?
Membership eligibility for Harvester Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Harvester Financial directly for current membership requirements and application steps.
Is my money safe at Harvester Financial?
Harvester Financial 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. Harvester Financial's net worth ratio of 9.71% 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.