First Point Federal Credit Union

Overview / Commentary
2733 Nottingham Way Ste 5

First Point Federal Credit Union is headquartered in HAMILTON and is the 58th largest credit union in the state of New Jersey. It is also the 2,976th largest credit union in the nation. It was established in 1955 and as of December of 2019, it had grown to 4 employees and 2,109 members at 3 locations. First Point Federal Credit Union has a C+ 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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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

NCUA #10319
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.21%
Return on Equity - YTD2.06%
Annual Interest Income$889.00K
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$27.8MM$28.7MM
LoansQ4 2019vs Q4 2018$8.7MM$9.5MM
DepositsQ4 2019vs Q4 2018$24.9MM$26.2MM
Equity CapitalQ4 2019vs Q4 2018$2.8MM$2.2MM
Loan Loss AllowanceQ4 2019vs Q4 2018$148.00K$186.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$234.00K$154.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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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

0.25%$100-IRA Share Account
0.25%*$35k*$1000kRegular Share Account
OTHER TIERS: 0.10% $50 - $5k | 0.15% $5k - $20k | 0.20% $20k - $35k
0.10%--Christmas Club
0.10%--Vacation Club

First Point Federal Credit Union CD Rates

0.80%$500-5 Year CD
0.60%$500-3 Year CD
0.50%$500-2 Year CD
0.40%$500-1 Year CD
0.40%$500-18 Month CD
0.30%$500-6 Month CD
0.25%$500-3 Month CD

First Point Federal Credit Union IRA Rates

0.80%$1k-5 Year IRA
0.60%$1k-3 Year IRA
0.50%$1k-2 Year IRA
0.40%$1k-1 Year IRA
0.40%$1k-18 Month IRA
0.30%$1k-6 Month IRA
0.25%$1k-3 Month IRA

First Point Federal Credit Union Locations
Branch Office2733 Nottingham Way Ste 5HAMILTON, NJ 08619
Branch Office1130 US HIGHWAY 202 STE B4RARITAN, NJ 08869-1494
Branch Office200 SOMERSET CORP BLVD STE 700BRIDGEWATER, NJ 08807-2862

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