Side-by-side · Q2 2026 data
First Atlantic Federal Credit Union vs Picatinny Federal Credit Union
Credit union
First Atlantic Federal Credit Union
Eatontown, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | First Atlantic Federal Credit Union | Picatinny Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 65 |
| Capital cushion | 88 (stronger) | 44 |
| Loan quality | 74 | 77 (stronger) |
| Earnings | 90 (stronger) | 40 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 89th | 34th |
| Total assets | $332.2M | $459.1M |
| Deposits / shares | $280.1M | $401.8M |
| Capital ratio | 13.81% (stronger) | 9.42% |
| Problem loans | 0.79% | 0.70% (stronger) |
| Net charge-offs | 0.22% | 0.20% (stronger) |
| Return on assets | 1.75% (stronger) | 0.50% |
| Loans ÷ deposits | 70.6% | 60.0% (stronger) |
| Uninsured deposits | 9.0% (stronger) | 10.3% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.6% | 23.8% |
First Atlantic Federal Credit Union has the higher TellerScore (86 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Atlantic Federal Credit Union leads on 4 and Picatinny Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.