Federal credit union · DEPTFORD, New Jersey · NCUA charter #3951
First Harvest
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $458.4M
- Total assets
- 49,368
- Members
- 8.0%
- Net-worth ratio
First Harvest scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $458.4M; members 49,368; net-worth ratio 8.03%; health rank #2,497 of 4,374; healthier than 43rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,497 of 4,374 health · 2025Q4First Harvest · health 82/100 · $458.4M · 2025Q4
- ROA 82/100
- ASSETS 8.0%
- MEM 0.69%
- RANK -0.12%
- PHOTO $458.4M
- BOOK 49,368
- CHARTER #2,497/4,374
- NCUSIF SUMA
- CAMELS 3951
Call Report peers
First Harvest in the assets neighbourhood
First Harvest's $458.4M assets sit next to SUMA ($457.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Harvest vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
First Harvest - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3951. See our deposit-insurance coverage note.
Peer-gap read for First Harvest
- Largest favorable gap: Loan-to-Share Ratio at 77.88% vs peer 72.20% (+5.68 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.08 pp (8.03% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
First Harvest: in-state Call Report ranks
- In New Jersey, health place is #34 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, First Harvest is #8 of 127 in New Jersey.
- Member book place in New Jersey: #2 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How First Harvest's 5300 filing moved
First Harvest: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $458.4M (2025Q4) to $472.6M (2026Q1).
- Net-worth ratio shifted -0.23 pp (8.26% → 8.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 25.1 pts
- Delinquency Rate 23.1 pts
- Return on Assets 3.4 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.4 pts
First Harvest health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.03% | -4.08 pp |
| Delinquency Rate | 0.69% | -0.20 pp |
| Return on Assets | -0.12% | -0.75 pp |
| Member Growth | 6.87% | - |
| Loan-to-Share Ratio | 77.88% | +5.68 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
First Harvest filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $472.6M | - |
| 2025Q4 | $458.4M | 49,368 |
| 2024Q4 | $435.4M | 46,195 |
| 2023Q4 | $452.4M | 47,315 |
Credit Union Details
- Charter Number
- 3951
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- DEPTFORD
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, First Harvest runs 8 offices in 7 different cities across 2 states.
| Office | City |
|---|---|
| Corporate Center (Main Office) | Deptford, NJ |
| Camden | Camden, NJ |
| Deptford | Deptford, NJ |
| FISERV | King of Prussia, PA |
| Mount Laurel | Mount Laurel, NJ |
| Pleasantville | Pleasantville, NJ |
| Vineland | Vineland, NJ |
| Voorhees | Voorhees, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for First Harvest - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($458.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- First Harvest ranks #2,497 of 4,374 nationally on financial health and #34 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PICATINNY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PICATINNY
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is First Harvest financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, First Harvest carries a financial health score of 82/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,497 of 4,374; by total assets it ranks #791 of 4,374 nationally (same basis as /rankings/largest); and #8 of 127 within New Jersey. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.03% net worth ratio and a 0.69% delinquency rate.
How does First Harvest compare to other credit unions?
82/100 is First Harvest's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join First Harvest?
First Harvest serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact First Harvest directly for the current list of qualifying groups.
Is my money safe at First Harvest?
Federal credit unions like First Harvest are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. First Harvest's net worth ratio of 8.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Harvest offer compared to banks?
Credit unions like First Harvest are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact First Harvest directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.