# HARVESTERS
Cantonment, FL · NCUA charter 5727 · asset band $200-500M · latest filing 2021-03 · stopped filing after 2021-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/harvesters-5727

Who the members are: federal charter, community charter, organized 1948, low-income designated. 22,021 members of 508,367 potential (4.3% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $245.9M |
| Members | 22,021 (11.4% YoY) |
| Full-time staff | 77 |
| Net worth | $19.8M |
| Net worth ratio | 8.1% (p22 of band) |
| ROA (annualized) | 0.57% (p48 of band) |
| Total delinquency | 0.03% (p4 of band) |
| Net charge-offs (annualized) | 0.22% (p59 of band) |
| Loans / shares | 77% (p81 of band) |
| Cash / assets | 24.1% |
| Borrowings / assets | 1.02% |
| Net interest margin | 2.82% (p76 of band) |
| Operating expense / assets | 4.36% (p95 of band) |
| Vehicles % of loans | 57% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 69% |
| Third-party paper % of net worth | 337% (p93 of band) |
| Vehicle delinquency | 0.01% (p6 of band) |
| Vehicle NCO | 0.25% (p42 of band) |
| Repossessed % of vehicle book | 0.38% (p99 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 136% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 7% |
| Average share balance | $5,732 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $16,003 |
| Loans granted, annualized | $89.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | repo signal |  |
| 2017-03 | 2 |  | repo signal |
| 2017-06 | 3 | repo signal |  |
| 2017-09 | 3 | members leaving | repo signal |
| 2017-12 | 3 | loans>95% of shares | members leaving |
| 2018-03 | 3 |  |  |
| 2018-06 | 5 | net worth falling, delinquency rising |  |
| 2018-09 | 6 | members leaving |  |
| 2018-12 | 4 |  | net worth falling, members leaving |
| 2019-03 | 4 |  |  |
| 2019-06 | 3 |  | delinquency rising |
| 2019-09 | 2 |  | loans>95% of shares |
| 2019-12 | 3 | repo signal |  |
| 2020-03 | 4 | expense trap |  |
| 2020-06 | 3 |  | repo signal |
| 2020-09 | 2 |  | thin capital |
| 2020-12 | 3 | thin capital |  |
| 2021-03 | 5 | net worth falling, margin squeeze |  |

## 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=5727 (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/31.json (key "5727", 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=5727
- 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