Side-by-side · Q2 2026 data
First Atlantic Federal Credit Union vs B-M S Federal Credit Union
Credit union
First Atlantic Federal Credit Union
Eatontown, New Jersey · $100 million – $1 billion
Credit union
B-M S Federal Credit Union
New Brunswick, New Jersey · Under $100 million in assets
Metric by metric
| Measure | First Atlantic Federal Credit Union | B-M S Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 80 |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 74 | 82 (stronger) |
| Earnings | 90 (stronger) | 25 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 89th | 65th |
| Total assets | $332.2M | $81.7M |
| Deposits / shares | $280.1M | $65.7M |
| Capital ratio | 13.81% | 21.09% (stronger) |
| Problem loans | 0.79% | 0.54% (stronger) |
| Net charge-offs | 0.22% (stronger) | 0.27% |
| Return on assets | 1.75% (stronger) | 0.13% |
| Loans ÷ deposits | 70.6% | 37.7% (stronger) |
| Uninsured deposits | 9.0% (stronger) | 13.2% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.6% | — |
First Atlantic Federal Credit Union has the higher TellerScore (86 vs 80). On the 7 directional measures above (where higher or lower is clearly better), First Atlantic Federal Credit Union leads on 4 and B-M S Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.