Charter 1021 · Freehold, NJ
First Financial Federal Credit Union
First Financial Federal Credit Union is a federally chartered credit union in Freehold, New Jersey, with $176 million in assets and 14,478 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.30%, above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $176 million
- -3.8% in a year
- Members
- 14,478
- -4.1% in a year
- Net worth ratio
- 8.30%
- Peer median 11.65%
- Loans 60+ days late
- 2.78%
- Peer median 0.70%
- Loans outstanding
- $111 million
- +1.3% in a year
- Shares and deposits
- $163 million
- -5.3% in a year
- Branches
- 4
- 51 employees
- Opened
- 1936
- Federal charter
How First Financial Federal Credit Union compares
NCUA groups credit unions by size; First Financial Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 8.30% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 2.78%, is higher than the group median of 0.70%. Loans grew 1.3% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 17 of 126 credit unions headquartered in New Jersey. See all New Jersey credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $176 million | 14,478 | $111 million | 8.30% | 2.78% |
| Q1 2026 | $176 million | 14,455 | $106 million | 8.16% | 2.86% |
| Q4 2025 | $178 million | 14,452 | $106 million | 8.04% | 2.97% |
| Q3 2025 | $173 million | 15,028 | $109 million | 7.89% | 3.29% |
| Q2 2025 | $183 million | 15,102 | $109 million | 7.31% | 3.36% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 1.2 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for First Financial Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Administrative Office (main office)
391 Us Highway 9, Freehold, NJ 07728 - 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
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology