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First Point Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.53%5-year CD5 Year CD
1.51%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 59th largest credit union in the state of New Jersey. It is also the 2,953rd largest credit union in the nation. It was established in 1955 and as of December of 2017, it had grown to 5 employees and 2,612 members at 4 locations. First Point Federal Credit Union's CD rates are 68% higher than the national average, and it 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
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
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD0.17%
Return on Equity - YTD1.95%
Annual Interest Income$792.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$28.8MM$22.9MM
LoansQ4 2017vs Q4 2016$10.1MM$8.5MM
DepositsQ4 2017vs Q4 2016$26.2MM$20.0MM
Equity CapitalQ4 2017vs Q4 2016$2.5MM$2.6MM
Loan Loss AllowanceQ4 2017vs Q4 2016$70.00K$86.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$144.00K$116.00K
Real Estate OwnedQ4 2017vs Q4 2016$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% $50 - $5k | 0.10% $5k - $20k | 0.15% $20k - $35k
0.05%--Christmas and Vacation Club

First Point Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%$500-5 Year CD
2.22%$500-3 Year CD
1.91%$500-2 Year CD
1.51%$500-1 Year CD
0.75%$500-6 Month CD
0.40%$500-3 Month CD
0.30%$500-1 Month CD

First Point Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%$1k-5 Year IRA
2.22%$1k-3 Year IRA
1.91%$1k-2 Year IRA
1.51%$1k-1 Year IRA
0.75%$1k-6 Month IRA
0.40%$1k-3 Month IRA
0.30%$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
Branch Office200 SOMERSET CORP BLVD STE 700BRIDGEWATER, NJ 08807-2862

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