Harvard Community Credit Union (NCUA charter #60201) is based in Harvard, Illinois. Its Q2 2026 call report shows $21.1M in total assets and $19.7M in member shares and deposits and 1 office.
Harvard Community Credit Union has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 183rd. Loan quality contributes the most (99/100, 0.03%); earnings contributes the least (0/100, -1.06%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 14 points (37 → 51), mostly because the loan quality component improved by 53 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 27 |
| Q3 2024 | 27 |
| Q4 2024 | 27 |
| Q1 2025 | 32 |
| Q2 2025 | 37 |
| Q3 2025 | 47 |
| Q4 2025 | 41 |
| Q1 2026 | 33 |
| Q2 2026 | 51 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.10% |
| Q3 2024 | 9.44% |
| Q4 2024 | 9.28% |
| Q1 2025 | 7.21% |
| Q2 2025 | 7.43% |
| Q3 2025 | 7.59% |
| Q4 2025 | 7.33% |
| Q1 2026 | 5.43% |
| Q2 2026 | 6.46% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 3.18% |
| Q3 2024 | 3.72% |
| Q4 2024 | 4.32% |
| Q1 2025 | 1.99% |
| Q2 2025 | 1.63% |
| Q3 2025 | 0.66% |
| Q4 2025 | 1.11% |
| Q1 2026 | 1.30% |
| Q2 2026 | 0.03% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.91% |
| Q3 2024 | -3.16% |
| Q4 2024 | -0.95% |
| Q1 2025 | -8.58% |
| Q2 2025 | -3.88% |
| Q3 2025 | -2.82% |
| Q4 2025 | -2.30% |
| Q1 2026 | -6.14% |
| Q2 2026 | -1.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $21.1M | 6.46% | 0.03% | -1.06% | 84.2% |
| Q1 2026 | 33 | $21.2M | 5.43% | 1.30% | -6.14% | 82.1% |
| Q4 2025 | 41 | $20.1M | 7.33% | 1.11% | -2.30% | 87.0% |
| Q3 2025 | 47 | $20.0M | 7.59% | 0.66% | -2.82% | 85.8% |
| Q2 2025 | 37 | $20.4M | 7.43% | 1.63% | -3.88% | 84.5% |
| Q1 2025 | 32 | $20.7M | 7.21% | 1.99% | -8.58% | 83.8% |
| Q4 2024 | 27 | $20.9M | 9.28% | 4.32% | -0.95% | 87.0% |
| Q3 2024 | 27 | $20.6M | 9.44% | 3.72% | -3.16% | 91.0% |
| Q2 2024 | 27 | $21.3M | 9.10% | 3.18% | -1.91% | 89.4% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chicago Firemans Assoc Credit UnionCredit union Chicago, IL | 86 out of 100, Very strong | $21.4M | 15.1% | 0.54% | vs |
| Kone Employees Credit UnionCredit union Moline, IL | 94 out of 100, Very strong | $20.7M | 17.5% | 0.55% | vs |
| Bloomington Postal Employees Credit UnionCredit union Bloomington, IL | 65 out of 100, Moderate | $20.4M | 19.5% | 3.28% | vs |
| Generations Credit UnionCredit union Rockford, IL | 91 out of 100, Very strong | $22.4M | 16.4% | 0.10% | vs |
| Advantage One Credit UnionCredit union Morrison, IL | 76 out of 100, Strong | $23.5M | 11.8% | 0.22% | vs |
| Rockford Municipal Employees Credit UnionCredit union Rockford, IL | 76 out of 100, Strong | $23.6M | 15.2% | 0.41% | vs |
Deposit insurance
Is my money safe at Harvard Community Credit Union?
Yes. Harvard Community Credit Union is a federally insured credit union (NCUA charter #60201). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 13.6% of shares and deposits ($2.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 6.46%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Harvard Community Credit Union lists 1 office in 1 city. Most locations:
- Harvard, IL (1)
Identity & history
Profile
- Legal name
- Harvard Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 60201
- RSSD ID
- 217590
- Primary regulator
- State + NCUA
- Established
- 1956
- Headquarters
- 1200 S Division St, Harvard, IL 60033
- Employees
- 7
Quick answers
Harvard Community Credit Union: common questions
Is Harvard Community Credit Union NCUA insured?
Yes. Harvard Community Credit Union is a federally insured credit union (NCUA charter #60201). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Harvard Community Credit Union's TellerScore?
51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Harvard Community Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Harvard
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Generations Credit UnionCredit union Rockford, IL | 91 out of 100, Very strong | $22.4M | 16.4% | 0.10% | vs |
| North Shore BankBank Brookfield, WI | 84 out of 100, Strong | $2.6B | 14.4% | 0.10% | vs |
| Home State Bank, National AssociationBank Crystal Lake, IL | 82 out of 100, Strong | $776.0M | 11.8% | 0.07% | vs |
| Educators Credit UnionCredit union Racine, WI | 81 out of 100, Strong | $4.0B | 13.9% | 0.97% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| First Northern Credit UnionCredit union Chicago, IL | 78 out of 100, Strong | $333.2M | 11.3% | 0.71% | vs |