Side-by-side · Q2 2026 data
Bay Atlantic Federal Credit Union vs Union Building Trades Federal Credit Union
Credit union
Bay Atlantic Federal Credit Union
Vineland, New Jersey · Under $100 million in assets
Credit union
Union Building Trades Federal Credit Union
Parsippany, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Bay Atlantic Federal Credit Union | Union Building Trades Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 71 (stronger) |
| Capital cushion | 39 | 78 (stronger) |
| Loan quality | 92 (stronger) | 72 |
| Earnings | 33 (stronger) | 29 |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 32nd | 42nd |
| Total assets | $97.1M | $85.8M |
| Deposits / shares | $87.7M | $71.7M |
| Capital ratio | 8.92% | 12.78% (stronger) |
| Problem loans | 0.23% (stronger) | 0.84% |
| Net charge-offs | 0.32% | 0.04% (stronger) |
| Return on assets | 0.33% (stronger) | 0.22% |
| Loans ÷ deposits | 54.5% (stronger) | 60.9% |
| Uninsured deposits | 3.1% | 1.8% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Union Building Trades Federal Credit Union has the higher TellerScore (71 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Bay Atlantic Federal Credit Union leads on 3 and Union Building Trades Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.