Federal credit union · Freehold, New Jersey · NCUA charter #1021
First Financial
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $178.4M
- Total assets
- 14,452
- Members
- 8.2%
- Net-worth ratio
First Financial scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $178.4M; members 14,452; net-worth ratio 8.16%; health rank #4,006 of 4,374; healthier than 8th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,006 of 4,374 health · 2025Q4First Financial · health 62/100 · $178.4M · 2025Q4
- RANK 62/100
- PHOTO 8.2%
- BOOK 2.97%
- CHARTER 1.15%
- NCUSIF $178.4M
- CAMELS 14,452
- HEALTH #4,006/4,374
- NW CAMINO
- DELQ 1021
Call Report peers
First Financial in the assets neighbourhood
First Financial's $178.4M assets sit next to CAMINO ($178.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Financial vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
62 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
First Financial - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1021: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for First Financial
- Return on Assets leads the peer set - 1.15% here, 0.62% peer average (+0.53 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.46 pp (63.74% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where First Financial sits in New Jersey
- Health composite ranks #109 of 127 among scored New Jersey credit unions.
- Assets rank #17 of 127 inside New Jersey ($178.4M reported).
- New Jersey membership ordinal: #19 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How First Financial's 5300 filing moved
First Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.5% from $178.4M (2025Q4) to $175.8M (2026Q1).
- Net-worth ratio shifted +0.12 pp (8.04% → 8.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.16% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 62/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- Net Worth Ratio 25.4 pts
- Delinquency Rate 6.4 pts
- Return on Assets 15.0 pts
- Member Growth 1.9 pts
- Loan-to-Share Ratio 13.3 pts
First Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.16% | -3.95 pp |
| Delinquency Rate | 2.97% | +2.08 pp |
| Return on Assets | 1.15% | +0.53 pp |
| Member Growth | -3.92% | - |
| Loan-to-Share Ratio | 63.74% | -8.46 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
First Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $175.8M | - |
| 2025Q4 | $178.4M | 14,452 |
| 2024Q4 | $185.2M | 15,042 |
| 2023Q4 | $194.4M | 15,853 |
Credit Union Details
- Charter Number
- 1021
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- Freehold
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for First Financial, spread across 3 cities.
| Office | City |
|---|---|
| Administrative Office (Main Office) | Freehold, NJ |
| Howell/Freehold Branch | Freehold, NJ |
| Neptune Branch | Neptune, NJ |
| Toms River Branch | Toms River, 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.
Cross-state Call Report peers for First Financial
First Financial's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($178.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
Using this data
- First Financial ranks #4,006 of 4,374 nationally on financial health and #109 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PRINCETON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PRINCETON
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is First Financial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, First Financial carries a financial health score of 62/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,006 of 4,374; by total assets it ranks #1,361 of 4,374 nationally (same basis as /rankings/largest); and #17 of 127 within New Jersey. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.16% net worth ratio and a 2.97% delinquency rate.
How does First Financial compare to other credit unions?
62/100 is First Financial's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join First Financial?
First Financial operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact First Financial directly for the exact boundaries and application steps.
Is my money safe at First Financial?
Federal credit unions like First Financial are 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 Financial's net worth ratio of 8.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Financial offer compared to banks?
Credit unions like First Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact First Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.