TellerScore

Headquartered in Deptford, New Jersey, First Harvest Federal Credit Union is a federal credit union with $484.5M in total assets and $427.1M in member shares and deposits as of Q2 2026. It operates 8 offices across 2 states. Its charter dates back to 1940.

Based on its Q2 2026 filing, First Harvest Federal Credit Union scores 53/100, which we describe as below average. That is higher than only 9% of 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 106th. Its strongest component is problem-loan coverage (82/100; 8.8%), and its lowest is capital cushion (30/100; 8.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion30/100
Net worth ratio: 8.01%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.96%
Earnings34/100
Return on assets (annualized): 0.35%
Funding & liquidity78/100
Loans ÷ shares: 82.5% · 4.4% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.81%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 14 points (67 → 53), mostly because the earnings component weakened by 38 points.

TellerScore
526067Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202452
Q4 202453
Q1 202554
Q2 202567
Q3 202563
Q4 202559
Q1 202654
Q2 202653
Net worth ratio
7.00%7.75%8.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.76%
Q3 20247.89%
Q4 20248.11%
Q1 20258.01%
Q2 20258.51%
Q3 20258.40%
Q4 20258.26%
Q1 20268.03%
Q2 20268.01%
Delinquent loans (60+ days)
0.58%0.77%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.63%
Q3 20240.84%
Q4 20240.79%
Q1 20250.66%
Q2 20250.64%
Q3 20250.58%
Q4 20250.69%
Q1 20260.66%
Q2 20260.96%
Return on assets
-0.16%0.57%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.16%
Q3 2024-0.13%
Q4 2024-0.13%
Q1 2025-0.15%
Q2 20251.30%
Q3 20250.82%
Q4 20250.61%
Q1 20260.08%
Q2 20260.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$484.5M8.01%0.96%0.35%82.5%
Q1 202654$472.6M8.03%0.66%0.08%79.7%
Q4 202559$458.4M8.26%0.69%0.61%77.9%
Q3 202563$450.6M8.40%0.58%0.82%76.4%
Q2 202567$449.9M8.51%0.64%1.30%71.7%
Q1 202554$439.5M8.01%0.66%-0.15%69.0%
Q4 202453$435.4M8.11%0.79%-0.13%69.3%
Q3 202452$449.6M7.89%0.84%-0.13%70.9%
Q2 202454$458.0M7.76%0.63%-0.16%68.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.01%
4th
Problem loans0.96%
31st
Net charge-offs0.35%
51st
Return on assets0.35%
21st
Loans to deposits82.5%
34th
Uninsured deposits4.4%
67th
Loan-loss reserves0.00%
50th
Texas ratio8.8%
17th

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Credit Union of New Jersey, aCredit union Ewing, NJ72 out of 100, Strong$512.8M10.6%0.93%vs
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Deposit insurance

Is my money safe at First Harvest Federal Credit Union?

Yes. First Harvest Federal Credit Union is a federally insured credit union (NCUA charter #3951). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.4% of shares and deposits ($18.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.01%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

First Harvest Federal Credit Union lists 8 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Harvest Federal Credit Union reported 828 home-loan applications under HMDA (LEI 5493002P6EVQ94HFYF14): 363 originated ($26,305,000 total), 211 denied, and 254 withdrawn or closed by the applicant. Its denial rate on decided applications was 36.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Harvest Federal Credit Union
Type
Federal credit union
NCUA charter #
3951
RSSD ID
441274
Primary regulator
NCUA
Established
1940
Headquarters
Po Box 5530, Deptford, NJ 08096
Employees
117

Quick answers

First Harvest Federal Credit Union: common questions

Is First Harvest Federal Credit Union NCUA insured?

Yes. First Harvest Federal Credit Union is a federally insured credit union (NCUA charter #3951). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is First Harvest Federal Credit Union's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does First Harvest Federal Credit Union have?

8 offices as of the latest NCUA data, in 2 states.

Nearby

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