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 4.0% in tier
- + Organic Growth Engine: Top 9.0% in tier
- + ROA 0.04% above tier average
- + Strong member growth: 6.4% YoY
- + Total Members: Top 0.3% in tier
- + Total Deposits: Top 4.0% in tier
- + Total Assets: Top 4.5% in tier
- + Fee Income Per Member: Top 5.0% in tier
- + Total Loans: Top 5.7% in tier
- + Member Growth Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 8.7% in tier
- - Efficiency Drag: Bottom 29.2% in tier
- - Efficiency ratio 4.76% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 7.2% in tier
- - Net Interest Margin (NIM): Bottom 7.9% in tier
- - Average Member Relationship (AMR): Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,368
+6.4% YoY+1.8% QoQ
|
+32.7K |
15,628
-3.4% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Top 0.4% in tier |
| Assets |
$450.6M
+0.2% YoY+0.2% QoQ
|
+$219.3M |
$231.3M
-0.0% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Top 4.5% in tier |
| Loans |
$302.7M
+11.3% YoY+6.7% QoQ
|
+$154.9M |
$147.8M
-1.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Top 5.8% in tier |
| Deposits |
$395.9M
+3.3% YoY+0.0% QoQ
|
+$195.6M |
$200.3M
-0.0% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Top 4.1% in tier |
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| ROA |
0.8%
-758.7% YoY-37.5% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
54% |
| NIM |
2.6%
+8.2% YoY+2.5% QoQ
|
-1.0% |
3.6%
+6.9% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.8% in tier |
| Efficiency Ratio |
82.0%
-17.4% YoY+9.9% QoQ
|
+4.8% |
77.3%
-3.0% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.6%
-30.1% YoY-9.0% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
76.4%
+7.8% YoY+6.7% QoQ
|
+3.7% |
72.7%
-1.5% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
55% |
| AMR |
$14,443
+0.2% YoY+0.9% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.9% in tier |
| CD Concentration |
16.0%
-28.1% YoY+4.4% QoQ
|
-8.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
11.4%
+71.2% QoQ
|
-2.5% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)