First Financial
First Financial is a credit union based in Freehold, New Jersey, established in 1936, with $176 million in total assets serving 14,455 members. By Trust Grade it ranks 108th of 127 credit unions we track in New Jersey. Its net worth ratio of 8.2% trails most similarly sized credit unions (5th percentile), versus a New Jersey median of 13.9%. It was profitable over the most recent period, with a 0.30% return on assets. No consumer complaints against First Financial appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Financial compares to New Jersey peers
How we graded First Financial
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.2% capital ratio)
- Profitable (ROA 0.30%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Financial over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at First Financial insured?
Yes. First Financial is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Financial: frequently asked questions
Is First Financial a good credit union?
First Financial earns a Bankzia Trust Grade of C (79/100, "Average"), based on a financial-strength score of 79/100 (it has no CFPB complaints on record). Well-capitalized (8.2% capital ratio); Profitable (ROA 0.30%).
Is First Financial NCUA-insured?
Yes. First Financial is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is First Financial?
First Financial holds $176 million in total assets, ranking 108th of 127 credit unions we track in New Jersey. It serves 14,455 members.
Does First Financial have CFPB complaints?
No CFPB complaints against First Financial appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
