FIRST FINANCIAL Credit Union Profile

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FIRST FINANCIAL

Charter #1021 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (732) 312-1500

Fax: (732) 312-1526

Founding Date: N/A

Website: http://www.firstffcu.com

Personnel & Operations

President: Sutton, JR, Earl

Manager: Stephan, Issa

FT Employees: 51

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 4

Hours: 8:00 am - 6:00pm Mon-Fri 9:00 am - 1:00 pm

Credit Union Profile Summary

FIRST FINANCIAL is a FCU Credit Union. With a total of 15,102 members [1], this institution manages approximately $183,086,765 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 7.31% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -0.35% [1].

Financial Snapshot

Total Assets [1]
$183,086,765

Total economic resources.

Total Loans [1]
$109,150,365

Total value of outstanding loans.

Total Deposits [1]
$171,784,609

Total funds deposited by members.

Members [1]
15,102

Number of active members.

Performance Ratios

Net Worth Ratio [1]
7.31%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.71%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
63.54%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -4.17%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -0.35%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -5.52%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

391 US Highway 9

Freehold, NJ, 07728-8562
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by FIRST FINANCIAL (Charter #1021).

Main Office

Administrative Office Main Office

Type: Corporate Office

391 US Highway 9

Freehold, NJ 07728-8562

Phone: (732) 312-1500

Services: Member Services

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Additional Branches

Freehold

Howell/Freehold Branch

Type: Branch Office

389 US Highway 9

Freehold, NJ 07728

Phone: (732) 312-1500

Services: Member Services, ATM, Drive-Thru

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Neptune

Neptune Branch

Type: Branch Office

783 Wayside Rd

Neptune, NJ 07753

Phone: (732) 312-1500

Services: Member Services, ATM, Drive-Thru

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Toms River

Toms River Branch

Type: Branch Office

1360 Route 9

Toms River, NJ 08755

Phone: (732) 312-1500

Services: Member Services, ATM, Drive-Thru

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