Charter 24959 · Cambridge, MA
Harvard Federal Credit Union
Harvard Federal Credit Union is a federally chartered credit union in Cambridge, Massachusetts, with $1.24 billion in assets and 59,763 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.81%, above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.24 billion
- +1.6% in a year
- Members
- 59,763
- +4.0% in a year
- Net worth ratio
- 8.81%
- Peer median 10.79%
- Loans 60+ days late
- 1.13%
- Peer median 0.67%
- Loans outstanding
- $1.01 billion
- -2.8% in a year
- Shares and deposits
- $923 million
- +5.2% in a year
- Branches
- 6
- 147 employees
- Opened
- 1939
- Federal charter
How Harvard Federal Credit Union compares
NCUA groups credit unions by size; Harvard Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 8.81% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.13%, is higher than the group median of 0.67%. Loans fell 2.8% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 11 of 121 credit unions headquartered in Massachusetts. See all Massachusetts credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.24 billion | 59,763 | $1.01 billion | 8.81% | 1.13% |
| Q1 2026 | $1.25 billion | 58,845 | $1.04 billion | 8.64% | 0.83% |
| Q4 2025 | $1.23 billion | 58,391 | $1.03 billion | 8.69% | 0.79% |
| Q3 2025 | $1.22 billion | 58,545 | $1.03 billion | 8.75% | 0.89% |
| Q2 2025 | $1.22 billion | 57,478 | $1.04 billion | 8.70% | 0.96% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 500,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for Harvard Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- 104 Mt Auburn (main office)
104 Mount Auburn St Ste 4, Cambridge, MA 02138 - MGH
55 Fruit St, Boston, MA 02114 - Charlestown Navy Yard
149 13Th St, Charlestown, MA 02129 - Harvard Square Branch
104 Mount Auburn St Ste 1, Cambridge, MA 02138 - Partners' Health
399 Revolution Dr Rm 3E30, Somerville, MA 02145 - One Brigham Circle
1614 Tremont St, Boston, MA 02120
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology