Federal credit union · HAMILTON, New Jersey · NCUA charter #10319
First Point
Health score 46/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 46
- Health / 100
- $25.6M
- Total assets
- 1,208
- Members
- 7.3%
- Net-worth ratio
First Point scores 46/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.6M; members 1,208; net-worth ratio 7.35%; health rank #4,309 of 4,374; healthier than 1st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,309 of 4,374 health · 2025Q4First Point · health 46/100 · $25.6M · 2025Q4
- CAMELS 46/100
- HEALTH 7.3%
- NW 1.81%
- DELQ -0.51%
- ROA $25.6M
- ASSETS 1,208
- MEM #4,309/4,374
- RANK ELCA
- PHOTO 10319
Call Report peers
First Point in the assets neighbourhood
First Point's $25.6M assets sit next to ELCA ($25.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Point 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
46 1st percentile higher than 1% 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 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: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 27.32% here, 59.80% peer average (-32.48 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New Jersey standing for First Point
- In New Jersey, health place is #125 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, First Point is #59 of 127 in New Jersey.
- New Jersey membership ordinal: #80 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How First Point's 5300 filing moved
First Point: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.4% from $25.6M (2025Q4) to $25.2M (2026Q1).
- Net-worth ratio shifted -0.01 pp (7.36% → 7.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 46/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 46.
- Net Worth Ratio 23.4 pts
- Delinquency Rate 14.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.6 pts
First Point health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.35% | -7.51 pp |
| Delinquency Rate | 1.81% | +0.66 pp |
| Return on Assets | -0.51% | -1.22 pp |
| Member Growth | -28.82% | - |
| Loan-to-Share Ratio | 27.32% | -32.48 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
First Point filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.2M | - |
| 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
Branch Locations (2)
First Point operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN (Main Office) | HAMILTON, NJ |
| RARITAN | RARITAN, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
First Point's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($25.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (46/100 here).
Using this data
- First Point ranks #4,309 of 4,374 nationally on financial health and #125 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Brunswick Postal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Brunswick Postal
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,309 of 4,374; by total assets it ranks #2,977 of 4,374 nationally (same basis as /rankings/largest); and #59 of 127 within New Jersey. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.35% 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 7.35% 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.
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.