TellerScore

First Financial Federal Credit Union (NCUA charter #1021) is based in Freehold, New Jersey. Its Q2 2026 call report shows $176.1M in total assets and $162.6M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, First Financial Federal Credit Union scores 38/100, which we describe as low. That is higher than only 1% of 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 123rd. Its strongest component is funding & liquidity (92/100; 68% loans-to-deposits, 4% uninsured), and its lowest is loan quality (7/100; 2.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Net worth ratio: 8.30%
Loan quality7/100
Loans 60+ days delinquent ÷ total loans: 2.78%
Earnings36/100
Return on assets (annualized): 0.40%
Funding & liquidity92/100
Loans ÷ shares: 68.0% · 3.8% uninsured
Problem-loan coverage54/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 23.01%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (35 → 38), mostly because the earnings component weakened by 13 points.

TellerScore
354044Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202440
Q3 202444
Q4 202437
Q1 202538
Q2 202535
Q3 202537
Q4 202540
Q1 202637
Q2 202638
Net worth ratio
6.08%7.19%8.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20246.08%
Q3 20246.71%
Q4 20246.66%
Q1 20257.12%
Q2 20257.31%
Q3 20257.89%
Q4 20258.04%
Q1 20268.16%
Q2 20268.30%
Delinquent loans (60+ days)
2.35%2.86%3.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.64%
Q3 20242.35%
Q4 20243.05%
Q1 20252.82%
Q2 20253.36%
Q3 20253.29%
Q4 20252.97%
Q1 20262.86%
Q2 20262.78%
Return on assets
0.31%0.80%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.29%
Q3 20241.28%
Q4 20241.11%
Q1 20250.85%
Q2 20250.72%
Q3 20250.72%
Q4 20250.90%
Q1 20260.31%
Q2 20260.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202638$176.1M8.30%2.78%0.40%68.0%
Q1 202637$175.8M8.16%2.86%0.31%65.4%
Q4 202540$178.4M8.04%2.97%0.90%63.7%
Q3 202537$173.1M7.89%3.29%0.72%67.3%
Q2 202535$183.1M7.31%3.36%0.72%63.5%
Q1 202538$184.4M7.12%2.82%0.85%62.6%
Q4 202437$185.2M6.66%3.05%1.11%62.6%
Q3 202444$180.7M6.71%2.35%1.28%64.4%
Q2 202440$191.0M6.08%2.64%1.29%59.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.30%
5th
Problem loans2.78%
3rd
Net charge-offs0.01%
97th
Return on assets0.40%
24th
Loans to deposits68.0%
65th
Uninsured deposits3.8%
73rd
Loan-loss reserves0.00%
50th
Texas ratio23.0%
1st

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Princeton Federal Credit UnionCredit union Princeton, NJ59 out of 100, Moderate$169.2M10.0%0.95%vs
Riegel Federal Credit UnionCredit union Milford, NJ58 out of 100, Moderate$167.7M10.4%1.77%vs
Xcel Federal Credit UnionCredit union Bloomfield, NJ61 out of 100, Moderate$185.8M10.9%0.99%vs
Nova Ua Federal Credit UnionCredit union Clifton, NJ79 out of 100, Strong$156.4M13.8%0.17%vs
Campbell Federal Credit UnionCredit union Maple Shade, NJ69 out of 100, Moderate$138.6M14.3%1.36%vs
County Excellence Federal Credit UnionCredit union Roselle Park, NJ57 out of 100, Moderate$137.9M8.4%1.37%vs

Deposit insurance

Is my money safe at First Financial Federal Credit Union?

Yes. First Financial Federal Credit Union is a federally insured credit union (NCUA charter #1021). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.8% of shares and deposits ($6.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.30%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

First Financial Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
1021
RSSD ID
1006175
Primary regulator
NCUA
Established
1936
Headquarters
391 US Highway 9, Freehold, NJ 07728
Employees
51

Quick answers

First Financial Federal Credit Union: common questions

Is First Financial Federal Credit Union NCUA insured?

Yes. First Financial Federal Credit Union is a federally insured credit union (NCUA charter #1021). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is First Financial Federal Credit Union's TellerScore?

38 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does First Financial Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Freehold

InstitutionScoreAssetsCapitalProblem loansCompare
Ocean County Employees Federal Credit UnionCredit union Toms River, NJ97 out of 100, Very strong$1.4M20.0%0.33%vs
First Atlantic Federal Credit UnionCredit union Eatontown, NJ86 out of 100, Very strong$332.2M13.8%0.79%vs
Healthcare Employees Federal Credit UnionCredit union Princeton, NJ86 out of 100, Very strong$137.2M13.6%0.62%vs
Amboy BankBank Old Bridge, NJ80 out of 100, Strong$3.1B12.2%0.30%vs
B-M S Federal Credit UnionCredit union New Brunswick, NJ80 out of 100, Strong$81.7M21.1%0.54%vs
Monmouth County Postal Employees Credit UnionCredit union Red Bank, NJ79 out of 100, Strong$21.9M20.6%0.15%vs