HAR-CO Credit Union Profile

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HAR-CO

Charter #68639 | NCUA Region 1 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (410) 838-9090

Fax: (410) 803-2449

Founding Date: N/A

Website: http://www.harcocu.org

Personnel & Operations

President: Sedney, Blaise

Manager: Kennedy III, Gilbert

FT Employees: 57

PT Employees: 6

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: 7:30 A.M.- 5:00 P.M. MON-WED 7:30 A.M. - 7

Credit Union Profile Summary

HAR-CO is a FISCU Credit Union. With a total of 13,803 members [1], this institution manages approximately $273,029,091 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 9.19% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.48% [1].

Financial Snapshot

Total Assets [1]
$273,029,091

Total economic resources.

Total Loans [1]
$185,193,730

Total value of outstanding loans.

Total Deposits [1]
$244,544,930

Total funds deposited by members.

Members [1]
13,803

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.19%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.74%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
75.73%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 6.35%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 3.48%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 0.42%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

30 N HICKORY AVE

BEL AIR, MD, 21014-3249
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by HAR-CO (Charter #68639).

Main Office

Main Branch Main Office

Type: Corporate Office

30 N Hickory Ave

Bel Air, MD 21014-3249

Phone: (410) 838-9090

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Aberdeen

Aberdeen

Type: Branch Office

1028 Middleton Rd

Aberdeen, MD 21001-2281

Phone: (410) 273-2506

Services: Member Services, ATM, Drive-Thru

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Abingdon

Abingdon

Type: Branch Office

3422 Emmorton Rd

Abingdon, MD 21009-2016

Phone: (410) 569-1012

Services: Member Services, ATM, Drive-Thru

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