# HARBOR
GREEN BAY, WI · NCUA charter 66849 · asset band $100-200M · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/harbor-66849

Who the members are: state charter, organized 1952. 11,347 members of 673,690 potential (1.7% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $110.7M |
| Members | 11,347 (-3.9% YoY) |
| Full-time staff | 31 |
| Net worth | $10.4M |
| Net worth ratio | 9.4% (p35 of band) |
| ROA (annualized) | -0.52% (p1 of band) |
| Total delinquency | 0.56% (p41 of band) |
| Net charge-offs (annualized) | 0.09% (p15 of band) |
| Loans / shares | 68% (p44 of band) |
| Cash / assets | 8.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.68% (p28 of band) |
| Operating expense / assets | 3.59% (p49 of band) |
| Vehicles % of loans | 27% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p37 of band) |
| Vehicle delinquency | 0.44% (p44 of band) |
| Vehicle NCO | 0.00% (p9 of band) |
| Repossessed % of vehicle book | 0.00% (p29 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 6% |
| Average share balance | $4,635 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 38% |
| Average loan balance | $11,520 |
| Loans granted, annualized | $35.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 3 | net worth falling, losing money |  |

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

- 2025-09-23 [Wisconsin Court of Appeals Affirms Primacy of UCC Safe-Harbor Pre- and Post-Sale Notices After Repossession - Husch Blackwell](https://news.google.com/rss/articles/CBMi6AFBVV95cUxONUNzZTJrSXBvM2R5VnFwcTdBejZJTHFBUlkwS3BWYm9xVmw0elRjRzVJM2FpQmFKOUNuU2Nvbk51bEYzTlNTdDFQdnRtMEEyTXVEWExIalkySm5TZ20zM0RQd0tveWdTZnBwSFNKM0ZxNU9ZNlB6dGlUT011dHV5bWlzbE96ZzJBOXp0OWo0Z2FxbldpODdyRkYxLWU4OGZkS1Y3VFJvWmZPSFF2Nk5HOWd2amdZUGNxLXlOWW1sVHVxeUFOc0kwTlN1cjRPTmF6VUFWRXE1emZFMmFfV3U0NVV2MU9RVExK?oc=5) · Husch Blackwell
- 2026-06-01 [Outstanding Teachers Nominations for 2025/2026 - WDIO.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE56Ti1iRTJhaDJoUjlNbDdsbEVIZFl4alJGX3ZiQ1ZCNXo3bk1KemZoS0tMM3dlR0ptcUc5VFZySnlkcVZFM1k3TGZpby11OVhnYTVGdUh6blFnZy1BZmpfckZQMm1UVVBpOFBzOFRJdVYyMVJKY2t6N1RCbnMzdXc?oc=5) · WDIO.com
- 2026-02-03 [Ari Lennox Returns To The Stage With 2026 North American Tour - Live Nation Newsroom](https://news.google.com/rss/articles/CBMioAFBVV95cUxNbzBnQWhhOWhUUFlPZ3ZqSE16aWZiTTNSMmlMdVhIMVloMVhQb0Niem5MLS13U2RoSndQTlBva2FMem5FcGR5ektLejMwRm4xRmV4eE53aEl2aEVTTzNudmE1Y3NXbjM5dU1NdVBrZW5ld3J4a3gyZE95ZGNOQTJVeWpyM0w4SmphczZrMWh6WmVidVhQVjczcmxWSWc4dW5B?oc=5) · Live Nation Newsroom
- 2026-02-17 [DETHKLOK to celebrate 20th anniversary with spring headline shows - Revolver Magazine](https://news.google.com/rss/articles/CBMiowFBVV95cUxQZjdURDVvSUxXVVFsRzB0dGFjdFBoc0p3Vy1yYzNlYXZLTHhCdEhmdkVWeUNCM0gxd3JSMUpNWTA4YUxzajk5SUY4SmVQVy1VUk1wNkZTUTZmcnBlRF9jY2tzd1NKTThvQl9tRGhsNklGLUVjb05udmpjMnlnd2h1LXdNYnQ1WExLVEJoYnNkV3V1cEhMU3JRbWVtcG1fQmxfRFEw?oc=5) · Revolver Magazine
- 2026-02-03 [Ari Lennox Announces the ‘Vacancy Tour’ / Unveils North American Dates - That Grape Juice.net](https://news.google.com/rss/articles/CBMipAFBVV95cUxPR05tSWVBdnJiYWpWSy1LbkVieUZDUjBsYmJQSlVmQ2VHVFZjOGxGV0pTblFjLUFfLUFVUDQzSUtTT1RNSjZMbzN6MGljTFJndkltdkhSNmI0STdnVmJkZTYtcjNtOEJBcWdpd0JZbTliUFhjRW5paXFaZXgzb0ZzT05Xdkw4RU5vbTR5OHA4N2p3VjctMEQ1aE8xamdUbW5mRW1uRtIBqgFBVV95cUxOV3A5SWxhMWhneVo4WHVWWmp4cDYzS3VFaEFuMXl1NmpNUnJkMHZTRHo0eldtZzZfSkdaLTFVRU0yLS1qSGlMOFgyYnY4ZktkUkx5SmlpcTdXWFhhU2hONUlzbXFrYWowQWxnYUhxdW43N1pOZmctNXM3eHUtV0JuRkFOTmc5aVYwR3NpXzJLQl9pWFk5Qy1tYVg2cjFMM2dXNi1qV2FDQmcydw?oc=5) · That Grape Juice.net
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2018-03-26 [Wisconsin has 7 top performing financial institutions. Which one nabbed the top spot? - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQekNHRThCTC1HYXZQc1FrbDJSR0lQMzF5TS1tOHdkSzJRdjY2aE5KWVItNWV2OUxtNzZJWjRqcjdrbDJvN0dSaS1vWV9aRWVOQnRvWi1JTzNuTGdZWFF1ZmNBcWJleUNOcW5lcndiQ2hKbnEwcmNGcDdiMnN2bjlUVFg5Q2VZcGZiVHBzM19lY2o2c3BUOF9QbUYxbnUtVS1sS2hoQnFYVWo1NEd5ZS1HY0NFUGNaOHcwbm42NmxwbldGUnJLRHFFUnI1dk5TVVZ3X2NKaUdSaDZibktJM1lxYlVRdm5tNTE4M0d4SHNzN183RDlnZzdVN3VZMA?oc=5) · Milwaukee Journal Sentinel
- 2025-09-18 [Cobblestone Hotels Looking at Another Egg Harbor Road Site - Door County Pulse](https://news.google.com/rss/articles/CBMikAFBVV95cUxQUE1LMF8zdHE5WldVVDA0d2xDN1NrbGVEcHJVWEt0ZTN3YmJ5bzF2TTM3d0Z5OVUwbTV1bEhmX3dFNkZYZ0x1R1EyVnRaaGllc25VNXR1WkdLMmRRMzFpdUFQRXFvVjg1NWFpTGNCbkdiNExXWGkyVUVnYXBwd19QSG5SeFk5YkRlNUFleHFlUWc?oc=5) · Door County Pulse

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66849 (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/33.json (key "66849", 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=66849
- 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