Credit unions · Massachusetts · Q2 2026
Harvard FCU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $1.24B |
| Total loans & leases | $1.01B |
| Total shares & deposits | $923M |
| Members | 59,760 |
| Net worth | $109M |
| Net worth / assets | 8.81% |
| Loans / assets | 81.42% |
| Return on assets (annualized) | 0.28% |
| Loan growth (YoY) | −2.76% |
| Member growth (YoY) | 3.98% |
| Delinquency, all loans (60+ days) | 1.13% |
| Charter | Federal charter |
| Asset band | $1B–$5B |
| NCUA peer group | over $500M |
| Sponsor type | Educational |
AI readiness
AI Score: 4 of 5 stars, AI embedded in workflows
Harvard FCU runs Scienaptic's AI underwriting platform in production, where AI shapes consumer credit decisions and instant approvals. It also uses Posh's AI digital assistant for member self-service, and its site loads the Glia digital service platform.
- Harvard Federal Credit Union implements AI-driven underwriting platform – Intelligent CIO North America “Harvard Federal Credit Union (Harvard FCU) has implemented the Scienaptic AI underwriting leading to an increase in approval rates”
- Harvard Federal Credit Union Live With Scienaptic's Fair & Compliant AI-driven Credit Underwriting Platform | Scienaptic AI “Harvard Federal Credit Union has implemented its AI-based underwriting platform and is now live”
- Harvard FCU website loads glia.com “The site loads a script from glia.com (digital customer service with AI)”
- Client Story: Harvard Federal Credit Union | Posh AI “HFCU turned to Posh's Digital Assistant to empower their members and improve operational efficiency.”