Cambridge, Massachusetts · Peer group 6
Harvard Credit Union
Harvard Credit Union holds $1.25B in assets across 58,845 members as of Q1 2026 — about $21K of assets per member, on a charter dating to 1939. Charter number 24959, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.25B |
|---|---|
| Total loans | $1.04B |
| Total shares (deposits) | $922.3M |
| Net worth | $107.9M |
| Members | 58,845 |
| Assets per member | $21K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.5% | |
|---|---|---|
| Loans | -0.5% | around the 18th percentile of its peer group |
| Deposits | 5.2% | around the 59th percentile of its peer group |
| Members | 3.4% | around the 73rd 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 | 113.3% | higher than 99% of its peer group |
|---|---|---|
| Net worth ratio | 8.6% | lower than 90% of its peer group |
| Return on assets | 0.23% | around the 14th percentile of its peer group |
| Delinquency ratio | 0.83% | around the 69th percentile of its peer group |
| Cash / assets | 5.8% | around the 26th percentile of its peer group |
| Borrowings / assets | 15.8% | higher than 99% of its peer group |
What this page does not show
Everything above is Harvard 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 Massachusetts — the comparison set a peer ratio is measured against.
- St. Anne's Credit Union
Fall River, MA
$1.35B · 61,731 members
- Sharon & Crescent United Credit Union
SHARON, MA
$1.41B · 70,338 members
- St. Mary's Credit Union
MARLBOROUGH, MA
$1.04B · 56,730 members
- Webster First Credit Union
Worcester, MA
$1.50B · 84,905 members
- Central One Credit Union
Shrewsbury, MA
$882.7M · 39,109 members
- All One Credit Union
Leominster, MA
$864.4M · 36,606 members
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