Federal credit union · Cantonment, Florida · NCUA charter #24967
HARVESTERS
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $302.5M
- Total assets
- 34,080
- Members
- 9.5%
- Net-worth ratio
HARVESTERS scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $302.5M; members 34,080; net-worth ratio 9.48%; health rank #698 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#698 of 4,374 health · 2025Q4HARVESTERS · health 93/100 · $302.5M · 2025Q4
- BOOK 93/100
- CHARTER 9.5%
- NCUSIF 0.64%
- CAMELS 0.20%
- HEALTH $302.5M
- NW 34,080
- DELQ #698/4,374
- ROA Decatur Earthmover
- ASSETS 24967
Call Report peers
HARVESTERS in the assets neighbourhood
HARVESTERS's $302.5M assets sit next to Decatur Earthmover ($301.6M) 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.
HARVESTERS 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
93 Top 16% higher than 84% 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
HARVESTERS - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24967, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
HARVESTERS: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 89.18% here, 72.20% peer average (+16.98 pp).
- Largest lag: Net Worth Ratio at 9.48% vs peer 12.11% (-2.63 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where HARVESTERS sits in Florida
- Health composite ranks #32 of 109 among scored Florida credit unions.
- Florida assets place: #44 of 109.
- Florida membership ordinal: #38 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
HARVESTERS: 2025Q4 → 2026Q1
HARVESTERS: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $302.5M (2025Q4) to $312.8M (2026Q1).
- Net-worth ratio shifted -0.10 pp (9.58% → 9.48%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.48%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 28.7 pts
- Delinquency Rate 23.6 pts
- Return on Assets 10.4 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.48% | -2.63 pp |
| Delinquency Rate | 0.64% | -0.26 pp |
| Return on Assets | 0.20% | -0.43 pp |
| Member Growth | 5.79% | - |
| Loan-to-Share Ratio | 89.18% | +16.98 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
HARVESTERS quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $312.8M | - |
| 2025Q4 | $302.5M | 34,080 |
| 2024Q4 | $284.3M | 32,214 |
Credit Union Details
- Charter Number
- 24967
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Cantonment
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, HARVESTERS runs 8 offices in 4 different cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Cantonment, FL |
| Cantonment Branch | Cantonment, FL |
| ECCO Branch | Milton, FL |
| Pace Branch | Pace, FL |
| Blue Angel Crossing | Pensacola, FL |
| Nine Mile Road Branch | Pensacola, FL |
| Baptist Campus Branch | Pensacola, FL |
| Cordova Branch | Pensacola, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Cross-state Call Report peers for HARVESTERS
Cross-state asset and health neighbours for HARVESTERS - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($302.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- HARVESTERS ranks #698 of 4,374 nationally on financial health and #32 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GUARDIANS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GUARDIANS
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida 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 HARVESTERS financially healthy?
A 9.48% net worth ratio and a 0.64% delinquency rate feed into HARVESTERS's financial health score of 93/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #698 of 4,374; by total assets it ranks #1,033 of 4,374 nationally (same basis as /rankings/largest); and #44 of 109 within Florida. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does HARVESTERS compare to other credit unions?
Five weighted metrics from NCUA filings produce HARVESTERS's 93/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 HARVESTERS?
HARVESTERS 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 HARVESTERS directly for the exact boundaries and application steps.
Is my money safe at HARVESTERS?
Federal credit unions like HARVESTERS 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. HARVESTERS's net worth ratio of 9.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HARVESTERS offer compared to banks?
Credit unions like HARVESTERS 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 HARVESTERS 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.