FIRST FINANCIAL
Federal • Freehold, New Jersey • Est. 1936
Quick Facts
- Charter Number
- #1021
- Type
- Federal
- Established
- 1936
- Headquarters
- Freehold, New Jersey 07728-8562
- Address
- 391 US Highway 9
- Branches
- 4
- ATMs
- 3
- Members
- 14,452
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
14,452 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FIRST FINANCIAL |
|---|---|
| Total Assets | $178.4M |
| Members | 14,452 |
| Loans Outstanding | $105.6M |
| Shares & Deposits | $165.6M |
| Net Worth | $14.2M |
| Net Worth Ratio | 8.04% |
| Loan-to-Share Ratio | 63.7% |
| Delinquency Rate | 2.97% |
| Net Income | +$1,601,524 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 3 ATMs
Administrative Office
Main Office391 US Highway 9
Freehold, NJ 07728-8562
Toms River Branch
1360 Route 9
Toms River, NJ 08755
Neptune Branch
783 Wayside Rd
Neptune, NJ 07753
Howell/Freehold Branch
389 US Highway 9
Freehold, NJ 07728
Who Can Join FIRST FINANCIAL?
Membership Type: Other/Unknown
Membership eligibility for FIRST FINANCIAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact FIRST FINANCIAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New Jersey RankingsFrequently Asked Questions
Yes. FIRST FINANCIAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, FIRST FINANCIAL has 14,452 members and a potential membership field of 1,218,400 people.
FIRST FINANCIAL's net worth ratio is 8.04% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 8.0%, FIRST FINANCIAL meets this threshold.
FIRST FINANCIAL operates 4 branch locations and has access to 3 ATMs. The main office is located at 391 US Highway 9, Freehold, NJ 07728-8562.
FIRST FINANCIAL was established in 1936. It is a federal credit union chartered under charter number 1021. The institution has been serving members for 90 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FIRST FINANCIAL. All financial data is for informational purposes only.