Side-by-side · Q2 2026 data
First Atlantic Federal Credit Union vs N. J. Latvian Federal Credit Union
Credit union
First Atlantic Federal Credit Union
Eatontown, New Jersey · $100 million – $1 billion
Credit union
N. J. Latvian Federal Credit Union
Freehold, New Jersey · Under $100 million in assets
Metric by metric
| Measure | First Atlantic Federal Credit Union | N. J. Latvian Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 66 |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 74 (stronger) | 41 |
| Earnings | 90 (stronger) | 6 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 89th | 32nd |
| Total assets | $332.2M | $4.7M |
| Deposits / shares | $280.1M | $4.1M |
| Capital ratio | 13.81% | 16.36% (stronger) |
| Problem loans | 0.79% (stronger) | 1.76% |
| Net charge-offs | 0.22% | 0.00% (stronger) |
| Return on assets | 1.75% (stronger) | -0.34% |
| Loans ÷ deposits | 70.6% | 8.3% (stronger) |
| Uninsured deposits | 9.0% | 0.0% (stronger) |
| Offices | 3 | 1 |
| 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 66). On the 7 directional measures above (where higher or lower is clearly better), First Atlantic Federal Credit Union leads on 3 and N. J. Latvian Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.