# HARVARD
Cambridge, MA · NCUA charter 24959 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/harvard-24959

Who the members are: federal charter, multiple common bond, organized 1939, low-income designated. 58,845 members of 500,000 potential (11.8% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.25B |
| Members | 58,845 (3.4% YoY) |
| Full-time staff | 145 |
| Net worth | $107.9M |
| Net worth ratio | 8.6% (p9 of band) |
| ROA (annualized) | 0.23% (p11 of band) |
| Total delinquency | 0.83% (p71 of band) |
| Net charge-offs (annualized) | 0.41% (p36 of band) |
| Loans / shares | 113% (p99 of band) |
| Cash / assets | 6.2% |
| Borrowings / assets | 15.77% |
| Net interest margin | 2.70% (p16 of band) |
| Operating expense / assets | 2.86% (p30 of band) |
| Vehicles % of loans | 1% (p0 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p3 of band) |
| Vehicle delinquency | 0.51% (p42 of band) |
| Vehicle NCO | 0.00% (p1 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 35% |
| Average share balance | $7,766 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $30,311 |
| Loans granted, annualized | $246.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $19.9M sold and retained. Sold in 7 and bought in 0 of the last 8 quarters. Shares 5.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2024-06 | 3 | thin capital, loans>95% of shares, leaning on borrowings |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | net worth falling |  |

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

- 2026-03-31 [HUA Funding Disbursements Stall Again Amid Dispute With Harvard Federal Credit Union - The Harvard Crimson](https://news.google.com/rss/articles/CBMiekFVX3lxTE5UdFNQWlgtaXByeWxkYUVhYjd6Wk1LWGxuUndlRXE3OHlZT0pWSWlFcjFxNTcza2wtQ2p6WlBjMnNkOXlqYWtuSS11eTNpUEFhRUZfWkg2NFk3NExhQ2J2R1ZtckJYNVlpVUpUSk40enByajlQWWtzUXdR?oc=5) · The Harvard Crimson
- 2026-07-14 [Financial aid FAQs: Borrowing student loans and paying your bill - Harvard Kennedy School](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQOEhXTHUzTE1hdTVOV2RkcEJiRGt5SS01WlVJRmNMUEFGdS1YSDZQNnAycU5uakRla0VIWHZiczkxRTB3TkEtdHduSmVzR2Rzc3FCM1NUN1NDbmk0MlV5SE9KRHc3elVzVE5GbVJKZEpmM0FOUFJZU200V1EzVUtHODctRGZEeXA2VGYxam0wTGVVbnc2ZXl1Tk02V2o4UVp4R2NQeWRtYVFickU?oc=5) · Harvard Kennedy School
- 2026-08-04 [Obituary: Edward Barry Doctoroff - The Belmont Voice](https://news.google.com/rss/articles/CBMiaEFVX3lxTE50S2dzT2sxM1NiTERPZnpTaU1qV3JRLVRQRkFJZ3JkaDFRenY0WEZZSUFQZlR6UHMzZU1DVkxCQWI2Nk04NXhhc01jYW1ibVpSVElZdzl2eWZVUENVRGVkcTNFbTFGQ1FD?oc=5) · The Belmont Voice
- 2025-08-13 [Harvard Federal Credit Union: Extra Credit - newswire.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNTjkySjI5aktMNG9ZN3lOUGxieDJVUm5VdGtpejhtZ0hxdTZmZDNRVWtvd3pnM1NfaTR5a05IUHFsbUZoVXVrXy1kal8wU0o0TW56b3FGTG1hc2s0OV9qVHNEZnN4SjE0MlpZVThKVDFWNjlXaDlnamJMVTBCUnE1MjVqZXBIaUk?oc=5) · newswire.com
- 2024-08-07 [Harvard Federal Credit Union looks to grow under new federal charter, rebrand - The Business Journals](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQRkNPcFZPUFZGdmJXYmg3dl9XNWUySk5BdE9qdnlfMjNaWnZRc1N2a1YwOHNKWmVOUGtvVTRxOEl2WDM5QTFXekJyWmRzNEFObFBINm10cHh5dDNmNFFIQ25FWVNEb1NkMU9CMDFzYzVSSWtxX1JkNFc1bTJQOWJrSkJvdkVwd2JnMXRr?oc=5) · The Business Journals
- 2020-08-26 [Harvard credit union executive promoted to CEO - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxPTnNJdTlNYjRUV3dJd1ZLX3hJQ0J1UWk0V3JJMWU2cXlaTmI5eDUwdWdrZXlzRTlrS04wMXkzMXhwTDBNOGlVWHRHNVVuMVBpVW0yYkdURm01SjhNNkktT1hzRldnUHhYTExfUjhhb3NFbkg4b0Q2bzJjejBSeHBkNURJSzB6YTVidGRRektrWlhsT245UXpsVzh2TQ?oc=5) · American Banker
- 2025-07-30 [Harvard Federal Credit Union Expands Access with New Mission Hill Branch - Boston Real Estate Times](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNU1labGgtU3ZGQ0pXRkdoVTVuOU16MDFTVUlrWlVKRG5GLVFpc2VCc3F5V3otVlpITE5WSEpXRW1NQWxsckFCazEzc0FQNlk5RllwNVNzWW5lOUs5aUNxcGJ6QllpR3FsX3NpNTRRWHRPblZlU1dmSkxHQzhpdnBDa1N4ZTNSNUt3V19qQ1lMZVNub0tHbENCQjVGajJGVFI5UUZHQ2JONGZGUUE?oc=5) · Boston Real Estate Times
- 2022-08-02 [Harvard Credit Union to Open New Longwood Branch - Banker & Tradesman](https://news.google.com/rss/articles/CBMihwFBVV95cUxNZFRFaFB0UjRWVW1EelEtczNjV1JWQktEaVV4SFA5cVhUd2ppWnJnTGNxT0pWZjNVem02TlJMbVdnQjd2S2RQMTI1VkZnbEtUWUtUYVhCMWx6cmJoR2UxU01UNFYwd3hZTF84dVprRjR5bW1OMUhJY09KcHNDS3pvNmt2bnhORms?oc=5) · Banker & Tradesman

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24959 (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/63.json (key "24959", 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=24959
- 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.

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