PackageTrendsPeer
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First Harvest

Deptford, NJ · Charter 3951

NCUA · 7 branches

Q2 2026

$484.5MAssets
$352.5MLoans
$427.1MShares
$38.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.35%, down 95 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.96% of loans (+32 bps YoY).
  • Capital: net worth / assets of 8.00%, down 52 bps from a year ago.
  • Funding: loans stand at 82.55% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.35%-95 bps YoY

Net Interest Margin (quarter, annualized)

4.06%+154 bps YoY

Efficiency Ratio (quarter, annualized)

86.23%+1,159 bps YoY

Net Worth / Assets

8.00%-52 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%0.82%0.61%0.08%0.35%-95 bps
Return on Equity15.28%9.80%7.43%1.00%4.39%-1,089 bps
Net Interest Margin2.52%2.61%2.73%3.56%4.06%+154 bps
Efficiency Ratio74.64%82.03%85.44%89.05%86.23%+1,159 bps
Growth
Asset Growth (YoY)-1.77%0.22%5.28%7.53%7.69%+946 bps
Loan Growth (YoY)3.76%11.33%17.31%24.33%24.25%+2,049 bps
Share Growth (YoY)-1.57%3.29%4.40%7.66%7.88%+945 bps
Asset Quality
Delinquent Loans / Loans0.64%0.58%0.69%0.66%0.96%+32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.52%8.40%8.27%8.04%8.00%-52 bps
Net Worth / Assets8.52%8.40%8.27%8.04%8.00%-52 bps
Liquidity & Funding
Loans / Shares71.67%76.45%77.88%79.68%82.55%+1,088 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%99.74%+9,974 bps