Credit union · NCUA insured
First Point Federal Credit Union
A $25.2M credit union headquartered in Hamilton, NJ, with 1,186 members and 2 branches in New Jersey. Best rates: CDs 3.45% and savings 0.10% APY.
First Point Federal Credit Union Carrot Score
71
Carrot Score
Higher than 30% of U.S. banks and credit unions
#107 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Point Federal Credit Union
- Headquarters
- 2430 Hamilton Ave Ste 2, Hamilton, NJ 08619
- NCUA charter
- 10319
Branches
2 branches in New Jersey
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New Jersey
2 branches
Trenton area · 1
- MainMain office2430 Hamilton Ave, Ste 2, Hamilton, NJ 08619Directions
New York area · 1
- Raritan1130 US-202, Ste B4, Raritan, NJ 08869Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.36% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.74% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.35% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $26 | $59 | — |
- CapitalNet worth ratio7.36%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.74%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.35%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$26Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of First Point Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.