Federal credit union · HAMILTON, New Jersey · NCUA charter #10319
First Point
Health score 46/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 46
- Health / 100
- $25.6M
- Total assets
- 1,208
- Members
- 7.4%
- Net-worth ratio
First Point - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #10319. See our deposit-insurance coverage note.
First Point - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)78
- Asset quality (delinquency)56
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)56
Weighted composite: 46/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
7.36% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.36% | 30% |
| Delinquency Rate | 1.81% | 25% |
| Return on Assets | -0.51% | 15% |
| Member Growth | -28.82% | 15% |
| Loan-to-Share Ratio | 27.32% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $25.6M | 1,208 |
| 2024Q4 | $26.8M | 1,697 |
| 2023Q4 | $27.2M | 1,808 |
Credit Union Details
- Charter Number
- 10319
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- HAMILTON
- Data Quarter
- 2025Q4
What This Data Says About First Point
The five-factor composite scores First Point at 46/100 (Below Average), reflecting a net worth ratio of 7.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in HAMILTON, New Jersey, reports 1,208 members, $25.6M in total assets, and $6.7M in outstanding loans as of Q4 2025 under charter #10319 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
On loan book quality: 1.81% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Meanwhile a 27.32% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.51% on net income of $-131394 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 -28.82%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in New Jersey
A look at other New Jersey 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 Point financially healthy?
Yes/no aside, the number is 46/100 (Below Average) - First Point's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.36% net worth ratio and 1.81% delinquency rate are the key drivers.
How does First Point compare to other credit unions?
PlainCU's health composite puts First Point at 46/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Point?
First Point 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 Point directly for the exact boundaries and application steps.
Is my money safe at First Point?
Federal credit unions like First Point 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 Point's net worth ratio of 7.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Point offer compared to banks?
Credit unions like First Point 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 Point 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.