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
- 14,455
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 6% and a delinquency rate below 3%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
14,455 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FIRST FINANCIAL |
|---|---|
| Total Assets | $175.8M |
| Members | 14,455 |
| Loans Outstanding | $106.3M |
| Shares & Deposits | $162.6M |
| Net Worth | $14.4M |
| Net Worth Ratio | 8.16% |
| Loan-to-Share Ratio | 65.4% |
| Delinquency Rate | 2.86% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in New Jersey
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New Jersey RankingsFrequently Asked Questions
FIRST FINANCIAL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, FIRST FINANCIAL has 14,455 members and a potential membership field of 1,218,400 people.
FIRST FINANCIAL's reported net worth ratio is 8.16% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or FIRST FINANCIAL. All financial data is for informational purposes only.