TellerScore

Headquartered in Heath, Ohio, Harvest Federal Credit Union is a federal credit union with $43.9M in total assets and $38.1M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1970.

Harvest Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 32nd. Funding & liquidity contributes the most (100/100, 44% loans-to-deposits, 3% uninsured); earnings contributes the least (66/100, 1.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Net worth ratio: 12.80%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.30%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity100/100
Loans ÷ shares: 43.7% · 2.7% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.88%

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 4 points (80 → 84), mostly because the loan quality component improved by 9 points.

TellerScore
768186Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202480
Q4 202478
Q1 202576
Q2 202580
Q3 202580
Q4 202578
Q1 202686
Q2 202684
Net worth ratio
7.00%9.96%12.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.84%
Q3 202412.25%
Q4 202412.52%
Q1 202512.13%
Q2 202512.56%
Q3 202512.71%
Q4 202512.67%
Q1 202612.93%
Q2 202612.80%
Delinquent loans (60+ days)
0.22%0.57%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20240.34%
Q4 20240.69%
Q1 20250.70%
Q2 20250.56%
Q3 20250.73%
Q4 20250.92%
Q1 20260.22%
Q2 20260.30%
Return on assets
0.86%1.08%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.93%
Q3 20240.94%
Q4 20240.95%
Q1 20250.86%
Q2 20251.03%
Q3 20251.14%
Q4 20251.20%
Q1 20261.29%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$43.9M12.80%0.30%1.16%43.7%
Q1 202686$42.5M12.93%0.22%1.29%45.2%
Q4 202578$42.3M12.67%0.92%1.20%46.8%
Q3 202580$40.9M12.71%0.73%1.14%48.7%
Q2 202580$40.3M12.56%0.56%1.03%47.2%
Q1 202576$40.7M12.13%0.70%0.86%41.8%
Q4 202478$38.7M12.52%0.69%0.95%46.0%
Q3 202480$38.8M12.25%0.34%0.94%46.8%
Q2 202477$39.4M11.84%0.56%0.93%44.9%

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).

Capital ratio12.80%
38th
Problem loans0.30%
69th
Net charge-offs0.02%
66th
Return on assets1.16%
74th
Loans to deposits43.7%
73rd
Uninsured deposits2.7%
38th
Loan-loss reserves0.00%
37th
Texas ratio0.9%
67th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Advantage Credit UnionCredit union Mansfield, OH68 out of 100, Moderate$43.2M9.4%0.00%vs
New Horizon Federal Credit UnionCredit union Barberton, OH82 out of 100, Strong$44.9M13.2%0.17%vs
First Ohio Community Federal Credit UnionCredit union North Canton, OH77 out of 100, Strong$45.2M10.7%0.00%vs
All Saints Federal Credit UnionCredit union Parma, OH80 out of 100, Strong$45.4M19.4%1.08%vs
Valley One Community Federal Credit UnionCredit union Steubenville, OH79 out of 100, Strong$42.2M12.2%0.16%vs
Cleveland Police Credit UnionCredit union Cleveland, OH78 out of 100, Strong$42.2M13.5%1.26%vs

Deposit insurance

Is my money safe at Harvest Federal Credit Union?

Yes. Harvest Federal Credit Union is a federally insured credit union (NCUA charter #20302). 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 2.7% of shares and deposits ($1.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.80%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Harvest Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Harvest Federal Credit Union
Type
Federal credit union
NCUA charter #
20302
RSSD ID
864583
Primary regulator
NCUA
Established
1970
Headquarters
P.O. Box 2216, Heath, OH 43056
Employees
7

Quick answers

Harvest Federal Credit Union: common questions

Is Harvest Federal Credit Union NCUA insured?

Yes. Harvest Federal Credit Union is a federally insured credit union (NCUA charter #20302). 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 Harvest Federal Credit Union's TellerScore?

84 out of 100 (Strong), 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 Harvest Federal Credit Union have?

3 offices as of the latest NCUA data.