Cordele, Georgia · Peer group 1
Harris Employees Credit Union
Harris Employees Credit Union holds $648K in assets across 182 members as of Q1 2026 — about $4K of assets per member, on a charter dating to 1947. Charter number 67563, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $648K |
|---|---|
| Total loans | $292K |
| Total shares (deposits) | $412K |
| Net worth | $218K |
| Members | 182 |
| Assets per member | $4K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -6.8% | |
|---|---|---|
| Loans | -27.6% | around the 13th percentile of its peer group |
| Deposits | -9.8% | around the 24th percentile of its peer group |
| Members | -3.7% | around the 36th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 71.0% | around the 73rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 33.6% | around the 83rd percentile of its peer group |
| Return on assets | -0.35% | around the 31st percentile of its peer group |
| Delinquency ratio | 0.25% | around the 43rd percentile of its peer group |
| Cash / assets | 7.3% | lower than 95% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Harris Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Georgia — the comparison set a peer ratio is measured against.
- F a B Church Credit Union
Savannah, GA
$446K · 273 members
- Stephens County Community Credit Union
TOCCOA, GA
$152K · 114 members
- Berrien Teachers Credit Union
NASHVILLE, GA
$1.3M · 258 members
- Flint River Employees Credit Union
Oglethorpe, GA
$1.8M · 367 members
- Macon-Bibb Employees Credit Union
Macon, GA
$2.7M · 881 members
- Flint Credit Union
Reynolds, GA
$2.9M · 600 members
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