FIRST POINT Credit Union Profile

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FIRST POINT

Charter #10319 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (609) 838-2847

Fax: (609) 838-2850

Founding Date: N/A

Website: HTTPS://WWW.firstpointfcu.com

Personnel & Operations

President: DELANEY, ROBERT

Manager: GERNHART, JUDY

FT Employees: 3

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 40

Branches: 2

Hours: 8:30 - 3:30 M - F

Credit Union Profile Summary

FIRST POINT is a FCU Credit Union. With a total of 1,648 members [1], this institution manages approximately $26,193,190 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 7.2% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -14.05% [1].

Financial Snapshot

Total Assets [1]
$26,193,190

Total economic resources.

Total Loans [1]
$7,325,611

Total value of outstanding loans.

Total Deposits [1]
$25,280,170

Total funds deposited by members.

Members [1]
1,648

Number of active members.

Performance Ratios

Net Worth Ratio [1]
7.2%

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]
0.14%

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

Loan-to-Share Ratio [1]
28.98%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 0.17%

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

Loan Growth (4Q) [1]
↓ -14.05%

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

Member Growth (4Q) [1]
↓ -5.18%

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

Headquarters Location & Map

Headquarters Address

2430 HAMILTON AVE STE 2

HAMILTON, NJ, 08619
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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 2 branches reported by FIRST POINT (Charter #10319).

Main Office

MAIN Main Office

Type: Corporate Office

2430 HAMILTON AVE STE 2

Hamilton, NJ 08619

Phone: (609) 838-2847

Services: Member Services

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Additional Branches

Raritan

RARITAN

Type: Branch Office

1130 US HIGHWAY 202 STE B4

Raritan, NJ 08869-1494

Phone: (908) 704-9009

Services: Member Services

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