BlastPoint's Credit Union Scorecard

FIRST HARVEST

Charter #3951 · NJ

100M-500M

1024 CUs in 100M-500M nationally 24 in NJ

FIRST HARVEST has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.42% above tier average
+ Strong member growth: 6.1% YoY
+ Total Members: Top 0.2% in tier
+ Total Deposits: Top 1.0% in tier
+ Total Assets: Top 1.4% in tier
+ Total Loans: Top 1.5% in tier
+ Loan Growth Rate: Top 2.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.51% below tier average
- Efficiency ratio 9.50% above tier (higher cost structure)
- Delinquency rate 0.08% above tier average
- Net Worth Ratio: Bottom 3.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in New Jersey.
Shares and deposits +7.9% year over year ($427M in shares and deposits).
Membership: 50,394 members, +6.1% vs a year ago.
Delinquency rate 0.96%.
Return on assets 0.36%.
Efficiency ratio 86.23% vs a 76.73% peer average.
Loan-to-share ratio 82.55% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	50,394 +6.1% YoY+0.4% QoQ	+35.2K	15,168 -2.6% YoY	7,520 +5.0% YoY	34,678 +6.6% YoY	Top 0.3% in tier
Assets	$484.5M +7.7% YoY+2.5% QoQ	+$252.5M	$232.0M +0.7% YoY	$121.5M +6.2% YoY	$593.1M +10.2% YoY	Top 1.5% in tier
Loans	$352.5M +24.2% YoY+5.0% QoQ	+$206.3M	$146.3M +0.2% YoY	$76.8M +8.6% YoY	$418.6M +10.1% YoY	Top 1.6% in tier
Deposits	$427.1M +7.9% YoY+1.4% QoQ	+$226.4M	$200.7M +0.2% YoY	$104.3M +6.9% YoY	$504.8M +10.3% YoY	Top 1.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -73.0% YoY+343.6% QoQ	-0.5%	0.9% +12.5% YoY	0.9% +81.6% YoY	1.2% +121.4% YoY	19%
NIM	4.1% +61.2% YoY+15.4% QoQ	+0.4%	3.7% +4.5% YoY	3.9% +3.8% YoY	3.8% +2.3% YoY	76%
Efficiency Ratio	86.2% +15.5% YoY-3.2% QoQ	+9.5%	76.7% -0.8% YoY	85.3% -2.0% YoY	83.0% -5.3% YoY	80%
Delinquency Rate	1.0% +49.5% YoY+46.4% QoQ	+0.1	0.9% +6.6% YoY	2.2% +22.2% YoY	1.3% +2.6% YoY	67%
Loan To Share	82.5% +15.2% YoY+3.6% QoQ	+11.0%	71.5% -0.3% YoY	52.7% +0.2% YoY	66.4% -1.4% YoY	71%
AMR	$15,471 +8.1% YoY+2.6% QoQ	$-10K	$25,107 +3.2% YoY	$16,658 -5.0% YoY	$20,028 -0.9% YoY	Bottom 10.9% in tier
CD Concentration	13.4% -12.5% YoY-2.2% QoQ	-11.1%	24.6%	14.8%	20.0%	50%
Indirect Auto %	26.2% +292.7% YoY-0.4% QoQ	+12.6%	13.6%	1.1%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#198 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.11%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#25 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 24.25%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.32% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank improving

Credit Quality Pressure

risk

#232 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.32% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#208 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.69%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 26.24%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 6.11%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | New qualifier

Efficiency Drag

risk

#482 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.23%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.96% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 6.11%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (12 metrics)

Total Members

engagement

Value: 50,394

Peer Median: 13,128

#3 of 1024 Top 0.2% in 100M-500M tier

Total Deposits

balance_sheet

Value: $427.09M

Peer Median: $170.77M

#11 of 1024 Top 1.0% in 100M-500M tier

Total Assets

balance_sheet

Value: $484.46M

Peer Median: $196.38M

#15 of 1024 Top 1.4% in 100M-500M tier

Total Loans

balance_sheet

Value: $352.55M

Peer Median: $124.04M

#16 of 1024 Top 1.5% in 100M-500M tier

Loan Growth Rate

growth

Value: 24.25%

Peer Median: 3.02%

#21 of 1024 Top 2.0% in 100M-500M tier

Member Growth Rate

growth

Value: 6.11%

Peer Median: -0.03%

#74 of 1024 Top 7.1% in 100M-500M tier

138

Members Per Employee (MPE)

engagement

Value: 430.718

Peer Median: 310.924

#138 of 1024 Top 13.4% in 100M-500M tier

152

AMR Growth Rate

growth

Value: 8.11%

Peer Median: 3.53%

#152 of 1024 Top 14.7% in 100M-500M tier

167

Deposit Growth Rate

growth

Value: 7.88%

Peer Median: 3.58%

#167 of 1024 Top 16.2% in 100M-500M tier

173

Share Certificate Concentration (%)

balance_sheet

Value: 13.44%

Peer Median: 23.39%

#173 of 1024 Top 16.8% in 100M-500M tier

Top Weaknesses (6 metrics)

994

Net Worth Ratio

risk

Value: 8.01%

Peer Median: 11.71%

#994 of 1024 Bottom 3.0% in 100M-500M tier

912

Average Member Relationship (AMR)

engagement

Value: $15,471

Peer Median: $23,006

#912 of 1024 Bottom 11.0% in 100M-500M tier

834

Return on Assets (ROA)

profitability

Value: 0.36%

Peer Median: 0.75%

#834 of 1024 Bottom 18.7% in 100M-500M tier

826

Indirect Auto Concentration (%)

balance_sheet

Value: 26.24%

Peer Median: 6.15%

#826 of 1024 Bottom 19.4% in 100M-500M tier

817

Efficiency Ratio

profitability

Value: 86.23%

Peer Median: 77.26%

#817 of 1024 Bottom 20.3% in 100M-500M tier

792

Loan-to-Member Ratio (LMR)

engagement

Value: $6,996

Peer Median: $9,434

#792 of 1024 Bottom 22.8% in 100M-500M tier