BlastPoint's Credit Union Scorecard
FIRST HARVEST
Charter #3951 · NJ
FIRST HARVEST has 10 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 12.5% in tier
- + Organic Growth Engine: Top 41.1% in tier
- + Strong member growth: 6.9% YoY
- + Total Members: Top 0.2% in tier
- + Total Deposits: Top 3.4% in tier
- + Total Assets: Top 3.8% in tier
- + Total Loans: Top 4.6% in tier
- + Loan Growth Rate: Top 5.1% in tier
- + Member Growth Rate: Top 5.7% in tier
- + Fee Income Per Member: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 91.8% in tier
- - Indirect Auto Dependency: Bottom 94.5% in tier
- - ROA 0.14% below tier average
- - Efficiency ratio 8.42% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 5.5% in tier
- - Average Member Relationship (AMR): Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
49,368
+6.9% YoY+2.1% QoQ
|
+33.9K |
15,437
-2.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Top 0.3% in tier |
| Assets |
$458.4M
+5.3% YoY+1.7% QoQ
|
+$226.6M |
$231.9M
+1.3% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Top 3.9% in tier |
| Loans |
$315.8M
+17.3% YoY+4.4% QoQ
|
+$168.5M |
$147.3M
-0.1% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Top 4.7% in tier |
| Deposits |
$405.5M
+4.4% YoY+2.4% QoQ
|
+$204.7M |
$200.8M
+0.8% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Top 3.5% in tier |
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| ROA |
0.6%
-584.0% YoY-24.8% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
2.7%
+13.2% YoY+5.3% QoQ
|
-0.9% |
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.1% in tier |
| Efficiency Ratio |
85.4%
-12.9% YoY+4.1% QoQ
|
+8.4% |
77.0%
-3.1% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
0.7%
-11.8% YoY+18.5% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
77.9%
+12.4% YoY+1.9% QoQ
|
+5.7% |
72.2%
-1.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$14,612
+2.6% YoY+1.2% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.2% in tier |
| CD Concentration |
15.0%
-25.6% YoY-6.3% QoQ
|
-9.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % |
17.2%
+16753.4% YoY+50.4% QoQ
|
+3.4% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)