FIRST HARVEST
Charter #3951 · DEPTFORD, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 50,216 ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.03% sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.08% sits at the 5th percentile of structural peers — worth a closer look.
- Efficiency ratio of 89.05% sits at the 84th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FIRST HARVEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $472.55M | 97th pct | 89th pct |
| Members | 50,216 | 100th pct | 97th pct |
| Net worth ratio | 8.03% | 4th pct | 3th pct |
| Return on average assets | 0.08% | 11th pct | 5th pct |
| Net interest margin | 3.61% | 47th pct | 54th pct |
| Cost of funds | 1.47% | 66th pct | 61th pct |
| Loan-to-share | 79.68% | 67th pct | 59th pct |
| Delinquency 60+ days | 0.66% | 54th pct | 59th pct |
| Net charge-off ratio | 0.51% | 66th pct | 67th pct |
| Loan growth YoY | 10.89% | 98th pct | 97th pct |
| Share growth YoY | 6.40% | 83th pct | 79th pct |
| Efficiency ratio | 89.05% | 83th pct | 84th pct |
structural peer set hash: 0bbacc3898d93510cd46d7f80a530d2a… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.