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
Call Report peers
First Harvest in the assets neighbourhood
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First Harvest vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); First Harvest sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in New Jersey, Camden Firemen's (#33) ties at 82/100; one place down, Bayonne City Employees (#35) scores 81/100, 1 point lower.
How First Harvest's 5300 filing moved
First Harvest: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $458.4M (2025Q4) to $472.6M (2026Q1).
- Net-worth ratio shifted -0.23 pp (8.26% → 8.03%).
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
First Harvest gives up 18 points in total. Return on Assets costs the most, 11.6 of its 15; Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is First Harvest financially healthy?
On its 2025Q4 NCUA 5300 filing, First Harvest scores 82/100 (Excellent), with a 8.03% net worth ratio and 0.69% of loans delinquent. It ranks #2,497 of 4,374 nationally on health and #34 of 127 in New Jersey.
How does First Harvest compare to other credit unions?
First Harvest scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (77.88% vs 72.20%). Its widest shortfall is net worth ratio (8.03% vs 12.11%).
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?
First Harvest is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.