TellerScore

First Point Federal Credit Union is a federal credit union headquartered in Hamilton, New Jersey, in business for about 71 years. At the end of Q2 2026 it reported $25.0M in total assets and $23.9M in member shares and deposits.

Based on its Q2 2026 filing, First Point Federal Credit Union scores 52/100, which we describe as below average. That is higher than only 11% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 110th. Its strongest component is funding & liquidity (100/100; 26% loans-to-deposits, 4% uninsured), and its lowest is earnings (6/100; -0.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion24/100
Net worth ratio: 7.36%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.74%
Earnings6/100
Return on assets (annualized): -0.36%
Funding & liquidity100/100
Loans ÷ shares: 26.1% · 4.2% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.52%

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 (49 → 52), mostly because the loan quality component improved by 23 points.

TellerScore
455156Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202447
Q3 202445
Q4 202448
Q1 202548
Q2 202549
Q3 202549
Q4 202545
Q1 202656
Q2 202652
Net worth ratio
6.93%7.23%7.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.54%
Q3 20247.14%
Q4 20247.02%
Q1 20256.93%
Q2 20257.20%
Q3 20257.29%
Q4 20257.36%
Q1 20267.35%
Q2 20267.36%
Delinquent loans (60+ days)
0.09%0.95%1.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.38%
Q3 20241.29%
Q4 20240.83%
Q1 20250.81%
Q2 20251.43%
Q3 20251.40%
Q4 20251.81%
Q1 20260.09%
Q2 20260.74%
Return on assets
-0.59%-0.22%0.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.21%
Q3 2024-0.37%
Q4 2024-0.49%
Q1 2025-0.59%
Q2 20250.14%
Q3 20250.11%
Q4 20250.06%
Q1 2026-0.48%
Q2 2026-0.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$25.0M7.36%0.74%-0.36%26.1%
Q1 202656$25.2M7.35%0.09%-0.48%27.5%
Q4 202545$25.6M7.36%1.81%0.06%27.3%
Q3 202549$25.9M7.29%1.40%0.11%27.6%
Q2 202549$26.2M7.20%1.43%0.14%29.0%
Q1 202548$26.4M6.93%0.81%-0.59%28.2%
Q4 202448$26.8M7.02%0.83%-0.49%29.0%
Q3 202445$26.9M7.14%1.29%-0.37%30.3%
Q2 202447$26.1M7.54%1.38%-0.21%33.3%

2,479 peers · Under $100 million in assets

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 ratio7.36%
3rd
Problem loans0.74%
48th
Net charge-offs1.02%
14th
Return on assets-0.36%
13th
Loans to deposits26.1%
92nd
Uninsured deposits4.2%
26th
Loan-loss reserves0.00%
37th
Texas ratio2.5%
47th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Jersey Central Federal Credit UnionCredit union Cranford, NJ54 out of 100, Below average$24.9M16.8%3.30%vs
New Brunswick Postal Federal Credit UnionCredit union New Brunswick, NJ44 out of 100, Below average$23.9M9.1%1.93%vs
Mid-State Federal Credit UnionCredit union Carteret, NJ75 out of 100, Strong$23.4M15.6%1.81%vs
Vah Lyons Employees Federal Credit UnionCredit union Lyons, NJ72 out of 100, Strong$26.6M17.6%1.25%vs
Harrison Police & Firemen'S Federal Credit UnionCredit union Harrison, NJ81 out of 100, Strong$27.7M15.0%0.92%vs
NJ Gateway Federal Credit UnionCredit union Dayton, NJ74 out of 100, Strong$27.7M10.0%0.01%vs

Deposit insurance

Is my money safe at First Point Federal Credit Union?

Yes. First Point Federal Credit Union is a federally insured credit union (NCUA charter #10319). 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 4.2% of shares and deposits ($1.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 7.36%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
First Point Federal Credit Union
Type
Federal credit union
NCUA charter #
10319
RSSD ID
849085
Primary regulator
NCUA
Established
1955
Headquarters
2430 Hamilton Ave, Suite 2, Hamilton, NJ 08619
Employees
4

Quick answers

First Point Federal Credit Union: common questions

Is First Point Federal Credit Union NCUA insured?

Yes. First Point Federal Credit Union is a federally insured credit union (NCUA charter #10319). 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 Point Federal Credit Union's TellerScore?

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