Hamilton, New Jersey · Peer group 3
First Point Credit Union
First Point Credit Union holds $25.2M in assets across 1,186 members as of Q1 2026 — about $21K of assets per member, on a charter dating to 1955. Charter number 10319, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $25.2M |
|---|---|
| Total loans | $6.6M |
| Total shares (deposits) | $24.2M |
| Net worth | $1.9M |
| Members | 1,186 |
| Assets per member | $21K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -4.4% | |
|---|---|---|
| Loans | -8.1% | around the 25th percentile of its peer group |
| Deposits | -5.8% | around the 11th percentile of its peer group |
| Members | -29.0% | lower than 99% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 27.5% | lower than 93% of its peer group |
|---|---|---|
| Net worth ratio | 7.3% | lower than 97% of its peer group |
| Return on assets | -0.48% | around the 11th percentile of its peer group |
| Delinquency ratio | 0.09% | around the 21st percentile of its peer group |
| Cash / assets | 2.8% | lower than 96% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is First Point Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New Jersey — the comparison set a peer ratio is measured against.
- New Brunswick Postal Credit Union
New Brunswick, NJ
$24.5M · 3,084 members
- Jersey Central Credit Union
CRANFORD, NJ
$24.2M · 4,031 members
- Mid-State Credit Union
Carteret, NJ
$23.8M · 1,139 members
- Harrison Police & Firemen's Credit Union
Harrison, NJ
$27.5M · 1,355 members
- Vah Lyons Employees Credit Union
Lyons, NJ
$27.9M · 1,408 members
- Nj Gateway Credit Union
Dayton, NJ
$28.0M · 2,368 members
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