# HARVEST
Heath, OH · NCUA charter 20302 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/harvest-20302

Who the members are: federal charter, community charter, organized 1970, low-income designated. 2,253 members of 178,844 potential (1.3% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 111.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $42.5M |
| Members | 2,253 (-1.3% YoY) |
| Full-time staff | 7 |
| Net worth | $5.5M |
| Net worth ratio | 12.9% (p37 of band) |
| ROA (annualized) | 1.29% (p80 of band) |
| Total delinquency | 0.22% (p32 of band) |
| Net charge-offs (annualized) | 0.04% (p54 of band) |
| Loans / shares | 45% (p31 of band) |
| Cash / assets | 58.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.87% (p50 of band) |
| Operating expense / assets | 3.08% (p33 of band) |
| Vehicles % of loans | 43% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 51% |
| Third-party paper % of net worth | 67% (p95 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 26% |
| Average share balance | $6,760 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 111% |
| Loans granted per 100 members, annualized | 34% |
| Average loan balance | $6,694 |
| Loans granted, annualized | $3.0M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency 2x band |
| 2020-03 | 1 | delinquency 2x band |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 4 | loan book shrinking |  |
| 2021-03 | 3 |  | delinquency 2x band |
| 2021-06 | 3 | losing money | loan book shrinking |
| 2021-09 | 3 | delinquency 2x band | net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | net worth falling, delinquency rising | margin squeeze |
| 2022-06 | 5 | members leaving |  |
| 2022-09 | 2 |  | losing money, delinquency 2x band, delinquency rising |
| 2022-12 | 1 |  | net worth falling |
| 2023-03 | 1 | delinquency 2x band | members leaving |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-11 [Gratitude on Wheels: Foodbank Caravan Hits the Road to Celebrate Harvest for Hunger Supporters - Akron-Canton Regional Foodbank](https://news.google.com/rss/articles/CBMivAFBVV95cUxOU1lvOHhuVm9VaFRRQWQxVFFpekNDdzVNcVBGaVFpdFplR3ZSajdMWlRTUVFPS3JhZVY5Ym5TSi02RzIxaG56LWpQZWlSOVRpWWFTQy1EVTZSYTNTaDEzSS1NYTVwLTlZenlpNFpwSm5hLW1iV0dSZVhVRjNVU205cXNUOHlZeXVadTlYVmpzV2FoWURJZnJSaTVReHcyS0ZnTjJOLXE4eU9MZy1YOEpiT0w1cnJuSl9Da1NvNw?oc=5) · Akron-Canton Regional Foodbank
- 2022-11-26 [LorMet Community Federal Credit Union donates more than $25,000 to Second Harvest Food Bank of North Central Ohio - Morning Journal](https://news.google.com/rss/articles/CBMi6gFBVV95cUxQODQwN2lFb25aZUMtN3dzeXNYVGZEcU1sVmpSZ1hHSWppd3RUak9VVFlMU25tcnVFeXVaYzBPX3Fwd2Z2N0ZUNmZCUzVtMDFUWTA4ZS1IN29ucW04Nld3VndTV1BlbUtXbTJTdkR1V0tGVncwMHZoV21kOHZDb3JYSElCQURrWkEzNW1sQVcyMFREQjdVVXhPMWpPdF9LMjQ3YzlIREF6d3BZR05zV0dHbXJTUF8xT1IxYnU2aEZUdlBfLWFPbFNyWWNxRmt4MTdqckd4LTZPcXhacGFOZzUtbnFKYmk1QjUzYWc?oc=5) · Morning Journal
- 2022-09-14 [Ada's Harvest & Herb Festival is Sept. 17 - Bluffton Icon](https://news.google.com/rss/articles/CBMihgFBVV95cUxQVGNWNndZX3U1TkRrazIzZzVyTjdlY0IyalRoLXlIMFpnMTZNX2xBa0lEdll1dHE1SnZCSTYzLWdybkYtWUg0ZjRhQU9TYmpmeFRLY3NFQ3Y4Y09FeFFkT05CblhBR0xTQlFQZ3pzV0tIZVNaNllWMzZQeTZUN21wdzhNY2h2QQ?oc=5) · Bluffton Icon
- 2019-01-29 [Calyx Peak Companies Conducts Akron’s First Medical Marijuana Harvest - cannabisbusinesstimes.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOZEJJaG40UE9BX1ZKeHlfb2lCcDZSNzdPaDZLbzVKLVB0QkR1MnU5VV9mMndMd2U2bnI3RFhEaFRtMTRxcDhZU2RTc0NTWkRMUTc5LWppUGJONHE2ejNRaEJEMHFyM3pxNHYtWW50eGpVc01VRjdDLVZvOHVMWEVIcGYyR1FtYjNvUmNLeFNHZENfY09XMXVHS21Qal9lV3VVMWRVLUlUeGRFZy0yQ21UQnF2UzA3WXhoMnhlUVdBb3NCUjJfS085NnFFV0IwNHpx?oc=5) · cannabisbusinesstimes.com
- 2025-08-19 [Patrick J. Mcgrady Obituary Aug 19, 2025 - walkerfuneralhomes.com](https://news.google.com/rss/articles/CBMibkFVX3lxTFBuNHdmcmx0V25QU2NXOW15MVJfeHZJajlJRFhKdnFXY1diUzEtTWEyYlZxSlpkZ0tSY1liWEdxYko1VGN6cTd6ZG9iVkNpTkZEaVBSVTRVajA1c2ZSQ3U0Z3U4RnJRSGh2VzlKVXhR?oc=5) · walkerfuneralhomes.com
- 2017-02-02 [Nickelback: September 28, 2017 - Rogers Place](https://news.google.com/rss/articles/CBMiaEFVX3lxTFB3U0o3OHhfSEt3OUdRVWhaYWI1Uk9zdU51V2UzaVltOXdsNUpROU12VGY1ckJybF9vemtlMVZObmNKcHpUcFd0Qzc1Z0lNckxlRG40MVltRTZicVczLU1HQkI4c3FPY3Zu?oc=5) · Rogers Place
- 2017-07-26 [Shaman’s Harvest, ‘The Come Up’ – Exclusive Video Premiere - Loudwire](https://news.google.com/rss/articles/CBMif0FVX3lxTFAwbXVVeU16WEFZYUEwZFBmUzFQU0dXT3F0M25ta3I2NVhkcTlpbk5FNDhmVnA3bnFreVlRNU1CYnMwVm5sYW5iOWM3OS1XZ2hQQ3ZRa2tsT3B1ZENJRHVKYjBDVHJIcXBqazFaWnpYUUlwMVRCSmxwOFRocDY1N3c?oc=5) · Loudwire
- 2019-12-26 [Project Rise, Kenmore-Garfield offer Harvest Dinner to families - Akron.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPNjlkbEVaVjJoRnIwRzdlQ1c3dGliZVNlSzlWdFhVdGg1TE1UT2lWM1RfVnlTa3ZJcTJndmwyNk5EQ2tWZHJnTlowS2xza1hSMUJLZ1pnblpNUXdmb0N1WVU3UlZzT0taTkQ4ay10eFRUYzVZYVJqdGhGUEJZc2NUVmZnUHg3dEJpS3pMY1V5VXVPNldGZFl4ZHRB?oc=5) · Akron.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20302 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/14.json (key "20302", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=20302
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide