Federal credit union · LYNBROOK, New York · NCUA charter #24270
First Frontier
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $463K
- Total assets
- 125
- Members
- 13.4%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth60
- Liquidity (loan-to-share)87
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.37% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.37% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 1.06% | 15% |
| Member Growth | 0.00% | 15% |
| Loan-to-Share Ratio | 94.41% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About First Frontier
First Frontier is a federal credit union headquartered in LYNBROOK, New York, serving 125 members with $463K in total assets and $355K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 92/100 (Excellent), anchored by a net worth ratio of 13.37% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #24270 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Deposits deployed into lending sit at a 94.41% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.00% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets stands at 1.06% on net income of $5K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.00%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Association/Group); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.37% 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 13.37% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.