First Financial Credit Union

First Financial Credit Union is headquartered in Wall and is the 15^st largest credit union in the state of New Jersey. It is also the 944^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 63 employees and 21,695 members. First Financial Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics FIRST FINANCIAL NCUA # 1021 BankRate Report View Year Chartered 1936 Employees 63 Primary Regulator Assets and Liabilities Assets $175.08 million Loans $127.78 million Deposits $163.26 million Equity Capital $12.44 million Loan Loss Allowance $1.14 million Unbacked Noncurrent Loans $2.10 million Real Estate Owned $180,000 Historic Data - December 2010 Assets $171.64 million Equity Capital $12.38 million Loan Loss Allowance $1.45 million Unbacked Noncurrent Loans $1.37 million Real Estate Owned $195,000 Profit Margin - Quarterly Net Interest Margin 6.16% Return on Assets 0.26% Return on Equity 3.71% Interest Income $9.00 million Non-Interest Income $2.51 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 First Financial Credit Union had $2.28 million in non-current loans and owned real-estate with $13.58 million in equity and loan loss allowances on hand to cover it. This gives First Financial Credit Union a Texas Ratio of 16.80% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Financial Credit Union increased slightly from 11.32% as of December 31, 2010 to 16.80% as of December 31, 2011, resulting in a negative change of 48.35%. This indicates that the balance sheet and financial strength for First Financial Credit Union has declined slightly in recent periods. Deposit Growth In the past year, First Financial Credit Union has increased its total deposits by $2.43 million, resulting in 1.51% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Financial Credit Union has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Financial Credit Union has $175.08 million in assets with $13.58 million in equity, resulting in a capitalization level of 7.75%, which is below average.

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