Side-by-side · Q2 2026 data
Central Jersey Federal Credit Union vs Bay Atlantic Federal Credit Union
Credit union
Central Jersey Federal Credit Union
Woodbridge, New Jersey · Under $100 million in assets
Credit union
Bay Atlantic Federal Credit Union
Vineland, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Central Jersey Federal Credit Union | Bay Atlantic Federal Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 66 |
| Capital cushion | 56 (stronger) | 39 |
| Loan quality | 67 | 92 (stronger) |
| Earnings | 46 (stronger) | 33 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 34th | 32nd |
| Total assets | $93.2M | $97.1M |
| Deposits / shares | $82.2M | $87.7M |
| Capital ratio | 10.58% (stronger) | 8.92% |
| Problem loans | 0.98% | 0.23% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.32% |
| Return on assets | 0.66% (stronger) | 0.33% |
| Loans ÷ deposits | 53.7% (stronger) | 54.5% |
| Uninsured deposits | 2.1% (stronger) | 3.1% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | 0.0% |
Central Jersey Federal Credit Union has the higher TellerScore (67 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Central Jersey Federal Credit Union leads on 6 and Bay Atlantic Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.