Side-by-side · Q2 2026 data
Bay Atlantic Federal Credit Union vs Ridgedale Federal Credit Union
Credit union
Bay Atlantic Federal Credit Union
Vineland, New Jersey · Under $100 million in assets
Credit union
Ridgedale Federal Credit Union
East Hanover, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Bay Atlantic Federal Credit Union | Ridgedale Federal Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 53 |
| Capital cushion | 39 | 41 (stronger) |
| Loan quality | 92 (stronger) | 65 |
| Earnings | 33 (stronger) | 5 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 32nd | 12th |
| Total assets | $97.1M | $98.0M |
| Deposits / shares | $87.7M | $89.1M |
| Capital ratio | 8.92% | 9.09% (stronger) |
| Problem loans | 0.23% (stronger) | 1.04% |
| Net charge-offs | 0.32% (stronger) | 0.57% |
| Return on assets | 0.33% (stronger) | -0.36% |
| Loans ÷ deposits | 54.5% | 51.6% (stronger) |
| Uninsured deposits | 3.1% (stronger) | 7.0% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Bay Atlantic Federal Credit Union has the higher TellerScore (66 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Bay Atlantic Federal Credit Union leads on 5 and Ridgedale Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.