BlastPoint's Credit Union Scorecard
FIRST HARVEST
Charter #3951 · NJ
FIRST HARVEST has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Strong member growth: 7.7% YoY
- + Total Members: Top 0.1% in tier
- + Total Deposits: Top 1.5% in tier
- + Loan Growth Rate: Top 2.0% in tier
- + Total Loans: Top 2.5% in tier
- + Total Assets: Top 2.6% in tier
- + Member Growth Rate: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.65% below tier average
- - Efficiency ratio 11.03% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.7% in tier
- - Average Member Relationship (AMR): Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,216
+7.7% YoY+1.7% QoQ
|
+35.1K |
15,145
-2.5% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Top 0.2% in tier |
| Assets |
$472.6M
+7.5% YoY+3.1% QoQ
|
+$240.8M |
$231.7M
+0.8% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Top 2.7% in tier |
| Loans |
$335.6M
+24.3% YoY+6.3% QoQ
|
+$191.5M |
$144.1M
+0.2% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Top 2.6% in tier |
| Deposits |
$421.2M
+7.7% YoY+3.9% QoQ
|
+$220.1M |
$201.1M
+0.4% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Top 1.6% in tier |
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| ROA |
0.1%
-154.5% YoY-87.1% QoQ
|
-0.6% |
0.7%
+5.1% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.0% in tier |
| NIM |
3.6%
+39.2% YoY+29.4% QoQ
|
-0.1% |
3.6%
+4.6% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
47% |
| Efficiency Ratio |
89.1%
-12.4% YoY+4.2% QoQ
|
+11.0% |
78.0%
-1.7% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
83% |
| Delinquency Rate |
0.7%
-0.6% YoY-5.2% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
79.7%
+15.5% YoY+2.3% QoQ
|
+9.3% |
70.4%
-0.4% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
67% |
| AMR |
$15,072
+6.2% YoY+3.2% QoQ
|
$-10K |
$24,918
+2.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.3% in tier |
| CD Concentration |
13.7%
-18.6% YoY-8.5% QoQ
|
-10.5% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % |
26.3%
+1208.2% YoY+53.0% QoQ
|
+12.5% | 13.8% | 1.0% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)