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First Point Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.76%5-year CD5 Year CD
0.80%1-year CD1 Year CD
0.20%SavingsRegular Share Account

Overview / Commentary
609-838-2847
2733 Nottingham Way Ste 5
HAMILTON, NJ 08619

First Point Federal Credit Union is headquartered in HAMILTON and is the 67th largest credit union in the state of New Jersey. It is also the 3,270th largest credit union in the nation. It was established in 1955 and as of September of 2016, it had grown to 4 employees and 1,601 members at 3 locations. First Point Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees of Fort Dodge Animal Health Division, J-Star Research, Inc., Wyeth, Ford Farewell Mills & Gatsch Architects, LLC, M. Dorell Wood II, CPA, Comgenex International, Chemspeed, Inc., Guards and Security Local 1412, Sports Arena Employees Local #137, Silgan Container Corporation, Enemine LTD, Nutter’s Landscaping, Schweitzer-Maudit who work in Spotswood, TYRX, Inc who work in Monmouth Jct NJ.
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Health
B
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. First Point Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #10319
Year Chartered1955
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.2%
Return on Equity - YTD1.79%
Annual Interest Income$488.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$23.0MM$23.0MM
LoansQ3 2016vs Q3 2015$8.1MM$7.5MM
DepositsQ3 2016vs Q3 2015$20.3MM$20.1MM
Equity CapitalQ3 2016vs Q3 2015$2.6MM$2.6MM
Loan Loss AllowanceQ3 2016vs Q3 2015$92.00K$95.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$115.00K$77.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Point Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$100-IRA Share Account
0.20%*$35k*$1mRegular Share Account
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $20k | 0.15% $20k - $35k
0.20%$100-Roth IRA Share Account
0.20%$100-CESA Share Account
0.05%--Christmas Club
0.05%--Vacation Club

First Point Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$500-5 Year CD
1.31%$500-3 Year CD
1.00%$500-2 Year CD
0.80%$500-1 Year CD
0.30%$500-6 Month CD
0.25%$500-3 Month CD
0.20%$500-1 Month CD

First Point Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$1k-5 Year IRA
1.31%$1k-3 Year IRA
1.00%$1k-2 Year IRA
0.80%$1k-1 Year IRA
0.30%$1k-6 Month IRA
0.25%$1k-3 Month IRA
0.20%$1k-1 Month IRA
Locations


First Point Federal Credit Union Locations
Branch Office2733 Nottingham Way Ste 5HAMILTON, NJ 08619
Branch Office85 MAIN STSPOTSWOOD, NJ 08884
Branch Office1130 US HIGHWAY 202 STE B4RARITAN, NJ 08869-1494