Sep, 30, 2025 — SOUTH JERSEY FEDERAL CREDIT UNION is a federal credit union headquartered in DEPTFORD, NJ with 6 branch locations and about $450.62 million in total assets. Opened 86 years ago in 1940, SOUTH JERSEY FEDERAL CREDIT UNION has about 48,368 members and employs 125 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SOUTH JERSEY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1615 Hurffville Rd DEPTFORD, NJ 08096 |
| Phone: | (856) 374-9700 |
| Fax: | (856) 232-9190 |
| Website: | https://www.firstharvestcu.com |
| Branches: | 6 branch locations |
| Members: | 48,368 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 3951 |
|---|---|
| Membership Type: | Multiple common bond - Primarily federal, state, local government |
| Corporate Credit Union: | No |
| Year Opened: | 1940 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $450,617,510 |
| CEO/Manager: | Joseph M Dinneen |
| Chairperson: | Loretta Winters |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 21,554,222 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 191,279,730 |
| Unsecured Loans | 20,745,674 |
| Other Loans | 90,638,335 |
| TOTAL LOANS | 302,663,739 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,172,239 |
| Land And Building | 8,046,775 |
| Other Fixed Assets | 1,420,133 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,576,974 |
| All Other Assets | 24,000 |
| TOTAL ASSETS | 450,617,510 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 65 |
| Notes & Interest Payable | 12,500,000 |
| Accounts Payable & Other Liabilities | 10,710,154 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 60,057,547 |
| Regular shares | 218,969,359 |
| All Other Shares & Deposits | 116,886,582 |
| TOTAL SHARES & DEPOSITS | 395,913,488 |
| TOTAL LIABILITIES | 419,143,821 |
| Regular Reserve | 0 |
| Other Reserves | -5,622,342 |
| Undivided Earnings | 37,096,031 |
| TOTAL EQUITY | 31,473,689 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 450,617,510 |
| INCOME & EXPENSE | |
| Loan Income | 12,032,143 |
| Investment Income | 1,169,544 |
| Other Income | 3,750,146 |
| Total Employee Compensation & Benefits | 8,768,863 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 7,532,789 |
| Non-operating Income & (Expense) | 4,983,015 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 787,134 |
| Cost of Funds | 4,442,662 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 2,782,968 |
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