# HARVESTERS
Cantonment, FL · NCUA charter 24967 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/harvesters-24967

Who the members are: federal charter, community charter, organized 1948, low-income designated. 34,149 members of 549,173 potential (6.2% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $312.8M |
| Members | 34,149 (5.0% YoY) |
| Full-time staff | 69 |
| Net worth | $29.7M |
| Net worth ratio | 9.5% (p23 of band) |
| ROA (annualized) | 0.91% (p65 of band) |
| Total delinquency | 0.57% (p47 of band) |
| Net charge-offs (annualized) | 0.46% (p58 of band) |
| Loans / shares | 87% (p81 of band) |
| Cash / assets | 14.9% |
| Borrowings / assets | 0.80% |
| Net interest margin | 4.53% (p94 of band) |
| Operating expense / assets | 5.17% (p95 of band) |
| Vehicles % of loans | 57% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 77% |
| Third-party paper % of net worth | 359% (p95 of band) |
| Vehicle delinquency | 0.88% (p70 of band) |
| Vehicle NCO | 0.50% (p42 of band) |
| Repossessed % of vehicle book | 2.38% (p100 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 112% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 19% |
| Average share balance | $5,395 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.6M |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $22,126 |
| Loans granted, annualized | $82.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.6M outstanding purchased (12.3% of net worth), $165,373 sold and retained. Sold in 1 and bought in 1 of the last 8 quarters. Shares 3.8% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2024-12 | 5 | thin capital, expense trap, repo signal, 3rd-party paper>100% NW, auto monoline |  |
| 2025-03 | 4 |  | auto monoline |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 | delinquency rising | thin capital |
| 2026-03 | 4 |  |  |

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

- 2026-03-18 [Aggie Classic Scores, Schedule - NorthEscambia.com](https://news.google.com/rss/articles/CBMidEFVX3lxTFBtakdfMW1STW8wVVk0S1FZNENPdk81LWVHQWhfRVR4Ty10Zk9mSUNuMi1aaGViYUVsVUFIUVRPMmpBSHBwQmIyWTZRNm52S2xYNWREV0E4OGZhWDZ6bGtyRUtEZmkxc1h4MFlUMHJYOWRYSElM?oc=5) · NorthEscambia.com
- 2025-07-14 [Jeff Davis - Pensacola News Journal](https://news.google.com/rss/articles/CBMiVEFVX3lxTE1yV3pIUUVuOXNwSE9pQzQ4WXpjRGNHUXktNW5PVERUdE9uM3pNUlRfeWZlS3c2VGVMVFNGZG85THI4b25adlJiYTVhVldheTcycHV0YQ?oc=5) · Pensacola News Journal
- 2008-08-01 [Northwest Fla., Pensacola Players - Aug. 2008 - Florida Trend](https://news.google.com/rss/articles/CBMijAFBVV95cUxQVVZjbmdFRWNjRlYxWk4xTnU3Y3dwbEtUa0FTX2I4YUg2R3lUTTc1WUVzNW9ISUpYWTJxX3RmQS1DWlFQUU1WdE8zRERILWRURUVKa3VITHI3eEkxemNnWmRYRU9weDR3emp4ZGpBcDhiWmI1Y0tpN0tTM1RQblR2allBY09FanhqYzB2Rg?oc=5) · Florida Trend
- 2026-03-16 [It’s Spring Break – That Means The Annual Aggie Classic - NorthEscambia.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNdFltN3pXemdGYnI1X3FSTndUQ2JsR2MwcktQaGJ4TEdsR0FFUDY1c2FNcWVPTU9hbm1zaDYyWU5EclNCUzNUY3RqdGRNdm9kQzdwV2VWa2RQa2xfbFYyOHkwTXJjblpROVVZbEpQdm9MR1JFSTVFQ0lFd3FXeGNmT1h5WDdaeVhHOUhVUk5ESkZhREJYZmc?oc=5) · NorthEscambia.com
- 2018-06-06 [Jack Hodge Obituary - Pensacola, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5ha1FSQmJ3b2JReVJMTXd1a3A3R1hhVGhNV0hoSEhLNjJIYlhhdHdrRXM1SEJZNzdhbEp2TTdjRTFSMmtnY1Z1T1NyVHFZdG9qbjRWTVlCem9ZVUdnb3gxTi10YnBGRHFvcGlzdUNoWWFpdGVKRWZJM3NXMmlrTk0?oc=5) · Dignity Memorial
- 2021-10-18 [James Franklin Obituary (2015) - Pensacola, FL - the Pensacola News Journal - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOeG5HVHUyMlVXdnltZ3BwYWFQcEl1RHp6WHk1OGdka2hHT2dqMDluZmFUN1U3cjZZdW5uM0hzN1lJdl9vb2lnVjdmSGxnWmotdXVselNtRHQ2RlA2UnpaY0FQeDV3eHlxYnlvWkE1ZlB5M19oU0pvQVlTQ2VrWUdUNVdfNE1rdFNOT2R6WkxDRUxhRUxtRnVYdEZ1UlJ5cjg?oc=5) · legacy.com
- 2025-01-30 [Escambia County Corrections GED program helps inmates start over after incarceration - Pensacola News Journal](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQYVNfZ2lWTXJRWG5MM1ZldEdLRWtpS2dHLVh5RW1XMUQ0akRlbllzOGJBcGR4eHR2cnhGTmJpd0xYbGlFYV9IRFUwZ3FGWGNINVdRaWk5cFFaaGVWd0pUUHl1UUU2bTBOYnQ1SThjR1UzWlBTYUdDbG4xcXYxMjRJOUpFYlpEeXpQMlJYNjBMVzV3M29NQXBRT2xRZ0xmUVlXRzN5WThjVUhxSUJ6LTh2SXA2WkNIT19CRGR3V2lWUVRSQUdPYUZ1bnlPV09FOXN3cTdpWkFXRQ?oc=5) · Pensacola News Journal
- 2013-12-24 [Car Hits Harvester’s Credit Union - NorthEscambia.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE9EVXRqQjhqVW9FemphZEFJNDVVeWlLQTQycU95R284Nnh4V19EWnc1cllHYXIyYzlQNTN3cS1rblpHZVBIWVVzMjdFMFRfWVVHVTFucFp5X3JnRktFRVJpWURmMFpheXZrMEtfeDlleFJJVGJYaXVEMA?oc=5) · NorthEscambia.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24967 (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/7.json (key "24967", 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=24967
- 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