Side-by-side · Q2 2026 data
First Point Federal Credit Union vs NJ Gateway Federal Credit Union
Credit union
First Point Federal Credit Union
Hamilton, New Jersey · Under $100 million in assets
Metric by metric
| Measure | First Point Federal Credit Union | NJ Gateway Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 74 (stronger) |
| Capital cushion | 24 | 50 (stronger) |
| Loan quality | 75 | 100 (stronger) |
| Earnings | 6 | 45 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 11th | 49th |
| Total assets | $25.0M | $27.7M |
| Deposits / shares | $23.9M | $24.8M |
| Capital ratio | 7.36% | 10.00% (stronger) |
| Problem loans | 0.74% | 0.01% (stronger) |
| Net charge-offs | 1.02% | -0.02% (stronger) |
| Return on assets | -0.36% | 0.61% (stronger) |
| Loans ÷ deposits | 26.1% | 16.6% (stronger) |
| Uninsured deposits | 4.2% | 3.8% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
NJ Gateway Federal Credit Union has the higher TellerScore (74 vs 52). On the 7 directional measures above (where higher or lower is clearly better), First Point Federal Credit Union leads on 0 and NJ Gateway Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.