First Point

HAMILTON, NJ · 1 · Charter #10319 · HTTPS://WWW.firstpointfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$25.6M
71th percentile
Members
1,208
43th percentile
Total loans
$6.7M
53th percentile
Total shares
$24.4M
76th percentile

Profitability

Return on assets
0.02%
17th percentile
Net interest margin
2.11%
5th percentile
Efficiency ratio
55.00%
75th percentile
Non-interest income ratio
5.30%
35th percentile

Capital & Risk

Net worth ratio
7.36%
3th percentile
Delinquency rate
1.81%
27th percentile
Net charge-off rate
-0.17%
97th percentile
Loan-to-share
27.32%
9th percentile

Growth

Member growth YoY
-28.82%
1th percentile
Asset growth YoY
-4.55%
18th percentile
Loan growth YoY
-11.98%
18th percentile
Share growth YoY
-6.40%
16th percentile

Operations

Members / branch
604
28th percentile
Assets / member
$21,168
97th percentile
Field of membership penetration
8.63%
22th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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