FIRST FINANCIAL
Charter #1021 · Freehold, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.16% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.11% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.03% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.86% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.07% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FIRST FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $175.84M | 41th pct | 34th pct |
| Members | 14,455 | 57th pct | 51th pct |
| Net worth ratio | 8.16% | 4th pct | 3th pct |
| Return on average assets | 0.30% | 23th pct | 34th pct |
| Net interest margin | 4.11% | 77th pct | 79th pct |
| Cost of funds | 0.03% | 4th pct | 10th pct |
| Loan-to-share | 65.40% | 36th pct | 48th pct |
| Delinquency 60+ days | 2.86% | 98th pct | 98th pct |
| Net charge-off ratio | 0.07% | 14th pct | 5th pct |
| Loan growth YoY | -2.04% | 24th pct | 23th pct |
| Share growth YoY | 0.75% | 15th pct | 8th pct |
| Efficiency ratio | 93.74% | 92th pct | 92th pct |
structural peer set hash: 06bab0b1b05d41a57938423b9b07fa6a… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.