First Frontier Federal Credit Union Lynbrook, New York
First Frontier Federal Credit Union is a federal credit union headquartered in Lynbrook, NY, established in 1986 (NCUA charter 24270), and it is regulated and insured by the NCUA. At Q2 2026 it reported 124 members and total assets of $470K (down 6.4% from Q2 2025), the 258th largest of 267 credit unions headquartered in New York. Its net worth ratio was 18.95% at Q2 2026, in the well capitalized band.
Also written as First Frontier FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24270
- Headquarters
- Lynbrook, NY
- Established
- 1986
- Total assets, Q2 2026
- $470K
- Assets vs Q2 2025
- -6.4%
- Members, Q2 2026
- 124
- Net worth ratio, Q2 2026
- 18.95%
- Latest call report
- Q2 2026, NCUA 5300 · First Frontier Federal Credit Union call report
- Asset rank in state
- 258th of 267 in New York
- Branches
- 2
It has 1 fewer member than on June 30, 2025 (-0.8%). Its net worth ratio was up 2.24 percentage points from 16.71% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $286K of $383K in total loans on its June 30, 2026 filing.
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Frequently asked about First Frontier Federal Credit Union
How big is First Frontier Federal Credit Union?
At Q2 2026 it reported total assets of $470K and 124 members.
Where is First Frontier Federal Credit Union headquartered?
It is headquartered in Lynbrook, NY, United States.
When was First Frontier Federal Credit Union founded?
It was established in 1986, per NCUA records.
Is First Frontier Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24270): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates First Frontier Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is First Frontier Federal Credit Union well capitalized?
Its net worth ratio was 18.95% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is First Frontier Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 100.67% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Lynbrook, NY 11563
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1986
- NCUA Charter #
- 24270
- RSSD ID
- 414595
- Members
- 124
- Potential members
- 800
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 5 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.95% | 14.31% | 73rd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.34% | 0.72% | 76th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.10% | 4.74% | 65th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.02% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 2.41% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.42% | 4.70% | 36th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 100.67% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$470K total assets against $502K; $381K total shares and deposits against $418K; $383K total loans against $346K.
$89K net worth against $84K.
18.95% net worth ratio against 16.71%.
100.67% loan-to-share ratio against 82.74%.
1.34% return on assets against 0.53%; 7.10% return on equity against 3.16%.
2.02% net interest margin against 1.22%.
124 members against 125.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.95% | 1.34% | — | 100.67% |
| March 31, 2026 | 18.81% | 0.49% | — | 105.79% |
| December 31, 2025 | 18.78% | 1.23% | — | 94.41% |
| September 30, 2025 | 16.64% | 1.20% | — | 81.44% |
| June 30, 2025 | 16.71% | 0.53% | — | 82.74% |
| March 31, 2025 | 16.33% | 2.78% | — | 66.10% |
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Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.