B
HAR-CO Credit Union
Bel AirMD
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings HAR-CO Credit Union
Bel Air, MD
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Rating B
Asset Quality Index 7.40
Capitalization Index 7.30
Liquidity Index 3.60
Profitability Index 6.10
Stability Index 6.20
Company Info HAR-CO Credit Union
Bel Air, MD
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NCUA Charter Number 2105
Phone Number (410) 838-9090
Website www.harcocu.org
Asset Quality HAR-CO Credit Union
Bel Air, MD
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1-Year Asset Growth 4.81%
5-Year Asset Growth 6.61%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 0.13%
Non-Performing Assets to Assets 0.77%
Non-Performing Loans to Capital 7.51%
Non-Performing Loans to Loans 1.09%
Balance Sheet HAR-CO Credit Union
Bel Air, MD
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Total Assets 264.78M
Total Deposits 236.53M
Capital and Reserves HAR-CO Credit Union
Bel Air, MD
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Capital 25.57M
Leverage Ratio 9.65
Loan Loss Reserves to Loans 0.84%
Liquidity HAR-CO Credit Union
Bel Air, MD
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Hot Money Ratio 9.26%
Liquidity Ratio 26.60%
Profitability HAR-CO Credit Union
Bel Air, MD
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5-Year Return on Average Assets 0.41%
Net Income 1.46M
Net Interest Spread 4.94%
Operating Profit to Average Assets 0.91%
Overhead Efficiency Ratio 79.49%
Return on Assets 0.72%
Return on Equity 7.85%