HAR-CO
State-Chartered • BEL AIR, Maryland • Est. 1955
Quick Facts
- Charter Number
- #68639
- Type
- State-Chartered
- Established
- 1955
- Headquarters
- BEL AIR, Maryland 21014-3249
- Address
- 30 N HICKORY AVE
- Branches
- 3
- ATMs
- 3
- Members
- 13,601
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
13,601 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HAR-CO |
|---|---|
| Total Assets | $271.9M |
| Members | 13,601 |
| Loans Outstanding | $190.1M |
| Shares & Deposits | $243.0M |
| Net Worth | $26.1M |
| Net Worth Ratio | 9.80% |
| Loan-to-Share Ratio | 78.2% |
| Delinquency Rate | 0.98% |
| Net Income | +$2,512,975 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 3 ATMs
Main Branch
Main Office30 N Hickory Ave
Bel Air, MD 21014-3249
Aberdeen
1028 Middleton Rd
Aberdeen, MD 21001-2281
Abingdon
3422 Emmorton Rd
Abingdon, MD 21009-2016
Who Can Join HAR-CO?
Membership Type: Community
Membership eligibility for HAR-CO may vary. Contact the credit union directly to confirm qualification requirements.
Contact HAR-CO directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Maryland RankingsFrequently Asked Questions
Yes. HAR-CO is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, HAR-CO has 13,601 members and a potential membership field of 100,000 people.
HAR-CO's net worth ratio is 9.80% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.8%, HAR-CO meets this threshold.
HAR-CO operates 3 branch locations and has access to 3 ATMs. The main office is located at 30 N Hickory Ave, Bel Air, MD 21014-3249.
HAR-CO was established in 1955. It is a state-chartered credit union chartered under charter number 68639. The institution has been serving members for 71 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HAR-CO. All financial data is for informational purposes only.