First Harvest

DEPTFORD, NJ · 1 · Charter #3951 · www.firstharvestcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$458.4M
52th percentile
Members
49,368
87th percentile
Total loans
$315.8M
53th percentile
Total shares
$389.0M
51th percentile

Profitability

Return on assets
0.72%
34th percentile
Net interest margin
2.73%
13th percentile
Efficiency ratio
69.33%
13th percentile
Non-interest income ratio
42.15%
99th percentile

Capital & Risk

Net worth ratio
8.27%
7th percentile
Delinquency rate
0.69%
52th percentile
Net charge-off rate
0.31%
60th percentile
Loan-to-share
81.19%
53th percentile

Growth

Member growth YoY
6.87%
94th percentile
Asset growth YoY
5.28%
52th percentile
Loan growth YoY
17.31%
94th percentile
Share growth YoY
2.32%
30th percentile

Operations

Members / branch
7,053
82th percentile
Assets / member
$9,286
2th percentile
Field of membership penetration
2.82%
37th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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