First Financial

Freehold, NJ · 1 · Charter #1021 · www.firstffcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$178.4M
82th percentile
Members
14,452
88th percentile
Total loans
$105.6M
78th percentile
Total shares
$165.6M
87th percentile

Profitability

Return on assets
0.90%
41th percentile
Net interest margin
4.23%
81th percentile
Efficiency ratio
82.78%
5th percentile
Non-interest income ratio
20.76%
67th percentile

Capital & Risk

Net worth ratio
7.97%
4th percentile
Delinquency rate
2.97%
3th percentile
Net charge-off rate
0.13%
79th percentile
Loan-to-share
63.74%
42th percentile

Growth

Member growth YoY
-3.92%
17th percentile
Asset growth YoY
-3.66%
5th percentile
Loan growth YoY
-3.88%
22th percentile
Share growth YoY
-5.57%
3th percentile

Operations

Members / branch
3,613
61th percentile
Assets / member
$12,346
32th percentile
Field of membership penetration
1.19%
18th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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