Side-by-side · Q2 2026 data
Bay Atlantic Federal Credit Union vs B-M S Federal Credit Union
Credit union
Bay Atlantic Federal Credit Union
Vineland, New Jersey · Under $100 million in assets
Credit union
B-M S Federal Credit Union
New Brunswick, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Bay Atlantic Federal Credit Union | B-M S Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 80 (stronger) |
| Capital cushion | 39 | 100 (stronger) |
| Loan quality | 92 (stronger) | 82 |
| Earnings | 33 (stronger) | 25 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 32nd | 65th |
| Total assets | $97.1M | $81.7M |
| Deposits / shares | $87.7M | $65.7M |
| Capital ratio | 8.92% | 21.09% (stronger) |
| Problem loans | 0.23% (stronger) | 0.54% |
| Net charge-offs | 0.32% | 0.27% (stronger) |
| Return on assets | 0.33% (stronger) | 0.13% |
| Loans ÷ deposits | 54.5% | 37.7% (stronger) |
| Uninsured deposits | 3.1% (stronger) | 13.2% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
B-M S Federal Credit Union has the higher TellerScore (80 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Bay Atlantic Federal Credit Union leads on 3 and B-M S Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.