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
Call Report peers
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First Frontier vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); First Frontier sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in New York, Southern Baptist Church of New York (#34) ties at 92/100; one place down, Sea Comm (#36) ties at 92/100.
Quarter path for First Frontier
First Frontier: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $463K (2025Q4) to $465K (2026Q1).
- Net-worth ratio shifted +0.03 pp (18.78% → 18.81%).
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
First Frontier gives up 8 points in total. Member Growth costs the most, 6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is First Frontier financially healthy?
First Frontier has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #725 of 4,374 nationally on health and #35 of 272 in New York. Its net worth ratio is 18.81% and its delinquency rate 0.00%.
How does First Frontier compare to other credit unions?
First Frontier scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (94.41% vs 52.70%). Its widest shortfall is net worth ratio (18.81% vs 22.93%).
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?
First Frontier 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 Frontier's net worth ratio of 18.81% 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.