Federal credit union · LYNBROOK, New York · NCUA charter #24270
First Frontier
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $463K
- Total assets
- 125
- Members
- 18.8%
- Net-worth ratio
First Frontier scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $463K; members 125; net-worth ratio 18.81%; health rank #725 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#725 of 4,374 health · 2025Q4First Frontier · health 92/100 · $463K · 2025Q4
- BOOK 92/100
- CHARTER 18.8%
- NCUSIF 0.00%
- CAMELS 1.06%
- HEALTH $463K
- NW 125
- DELQ #725/4,374
- ROA n/a
- ASSETS 24270
Call Report peers
First Frontier carries $463K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Frontier 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
92 Top 20% higher than 80% 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 Frontier - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24270. See our deposit-insurance coverage note.
First Frontier: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 94.41% here, 52.70% peer average (+41.71 pp).
- Largest lag: Net Worth Ratio at 18.81% vs peer 22.93% (-4.12 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where First Frontier sits in New York
- In New York, health place is #35 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #263 of 272.
- Member book place in New York: #265 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for First Frontier
First Frontier: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $463K (2025Q4) to $465K (2026Q1).
- Net-worth ratio shifted +0.03 pp (18.78% → 18.81%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 18.81% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 13.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.81% | -4.12 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 1.06% | +0.84 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 94.41% | +41.71 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
First Frontier filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $465K | - |
| 2025Q4 | $463K | 125 |
| 2024Q4 | $510K | 125 |
| 2023Q4 | $496K | 129 |
Credit Union Details
- Charter Number
- 24270
- Type
- Federal
- Field of Membership
- Association/Group
- Peer Group
- Under $2M
- State
- New York
- City
- LYNBROOK
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for First Frontier, spread across 2 cities.
| Office | City |
|---|---|
| Office (Main Office) | Lynbrook, NY |
| Disaster Recovery | North Baldwin, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near First Frontier
Two NCUA Call Report peer sets for First Frontier, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- First Frontier ranks #725 of 4,374 nationally on financial health and #35 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Spc Brooklyn is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Spc Brooklyn
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 Frontier financially healthy?
First Frontier has a financial health score of 92/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #725 of 4,374; by total assets it ranks #4,302 of 4,374 nationally (same basis as /rankings/largest); and #263 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.81% and delinquency rate of 0.00%.
How does First Frontier compare to other credit unions?
On PlainCU's health composite, First Frontier lands at 92/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Frontier?
First Frontier serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact First Frontier directly for the current list of qualifying groups.
Is my money safe at First Frontier?
Federal credit unions like First Frontier 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 Frontier's net worth ratio of 18.81% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Frontier offer compared to banks?
Credit unions like First Frontier 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 Frontier 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.