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
Call Report peers
First Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); First Financial sits in 60-64 with 179 others.
62 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in New Jersey, Elizabeth (N.J.) Firemen's (#108) ties at 62/100; one place down, Lakehurst Naval (#110) scores 61/100, 1 point lower.
How First Financial's 5300 filing moved
First Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.5% from $178.4M (2025Q4) to $175.8M (2026Q1).
- Net-worth ratio shifted +0.12 pp (8.04% → 8.16%).
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
First Financial gives up 38 points in total. Delinquency Rate costs the most, 18.6 of its 25; Return on Assets scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is First Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, First Financial scores 62/100 (Good), with a 8.16% net worth ratio and 2.97% of loans delinquent. It ranks #4,006 of 4,374 nationally on health and #109 of 127 in New Jersey.
How does First Financial compare to other credit unions?
First Financial scores 62/100, higher than 8% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (1.15% vs 0.62%). Its widest shortfall is loan-to-share ratio (63.74% vs 72.20%).
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?
First Financial is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.