Sep, 30, 2025 — FIRST FINANCIAL FEDERAL CREDIT UNION is a federal credit union headquartered in FREEHOLD, NJ with 4 branch locations and about $173.15 million in total assets. Opened 90 years ago in 1936, FIRST FINANCIAL FEDERAL CREDIT UNION has about 15,028 members and employs 52 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FIRST FINANCIAL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 391 US Highway 9 FREEHOLD, NJ 07728-8562 |
| Phone: | (732) 312-1500 |
| Fax: | (732) 312-1526 |
| Website: | https://www.firstffcu.com |
| Branches: | 4 branch locations |
| Members: | 15,028 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 1021 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1936 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $173,147,088 |
| CEO/Manager: | Issa Stephan |
| Chairperson: | Earl F Sutton, JR |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 7,761,639 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 37,420,227 |
| Unsecured Loans | 7,608,922 |
| Other Loans | 63,350,055 |
| TOTAL LOANS | 108,520,046 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,637,377 |
| Land And Building | 9,072,711 |
| Other Fixed Assets | 364,284 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,687,471 |
| All Other Assets | 286,100 |
| TOTAL ASSETS | 173,147,088 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 399,352 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 47,647,876 |
| Regular shares | 90,475,089 |
| All Other Shares & Deposits | 23,218,298 |
| TOTAL SHARES & DEPOSITS | 161,341,263 |
| TOTAL LIABILITIES | 161,740,615 |
| Regular Reserve | 0 |
| Other Reserves | 5,362,792 |
| Undivided Earnings | 6,043,681 |
| TOTAL EQUITY | 11,406,473 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 173,147,088 |
| INCOME & EXPENSE | |
| Loan Income | 4,127,450 |
| Investment Income | 1,556,383 |
| Other Income | 1,054,088 |
| Total Employee Compensation & Benefits | 3,086,432 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,940,210 |
| Non-operating Income & (Expense) | 160,000 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -2,819 |
| Cost of Funds | 35,748 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 932,845 |
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