First Financial Credit Union

First Financial Credit Union is headquartered in Wall Township and is the 14^st largest credit union in the state of New Jersey. It is also the 919^st largest credit union in the nation. It was established in 1936 and as of December of 2012, it had grown to 57 employees and 20,708 members. First Financial Credit Union has a 3-star health rating.

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Data for Q4 2012

Institution Statistics FIRST FINANCIAL NCUA # 1021 BankRate Report View Year Chartered 1936 Employees 57 Primary Regulator Assets and Liabilities Assets $192.30 million Loans $127.81 million Deposits $180.50 million Equity Capital $12.74 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $2.24 million Real Estate Owned $180,000 Historic Data - December 2011 Assets $175.08 million Equity Capital $12.44 million Loan Loss Allowance $1.14 million Unbacked Noncurrent Loans $2.10 million Real Estate Owned $180,000 Profit Margin - Quarterly Net Interest Margin 5.5% Return on Assets 0.04% Return on Equity 0.57% Interest Income $8.28 million Non-Interest Income $2.46 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, 2012 First Financial Credit Union had $2.42 million in non-current loans and owned real-estate with $13.78 million in equity and loan loss allowances on hand to cover it. This gives First Financial Credit Union a Texas Ratio of 17.57% 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 held steady from 16.80% as of December 31, 2011 to 17.57% as of December 31, 2012, resulting in a negative change of 4.55%. This indicates that the balance sheet and financial strength for First Financial Credit Union has held steady in recent periods. Deposit Growth In the past year, First Financial Credit Union has increased its total deposits by $17.24 million, resulting in 10.56% 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 excellent. 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 $192.3 million in assets with $13.78 million in equity, resulting in a capitalization level of 7.16%, which is below average.

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