Side-by-side · Q2 2026 data
First Atlantic Federal Credit Union vs The Atlantic Federal Credit Union
Credit union
First Atlantic Federal Credit Union
Eatontown, New Jersey · $100 million – $1 billion
Credit union
The Atlantic Federal Credit Union
Kenilworth, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | First Atlantic Federal Credit Union | The Atlantic Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 45 |
| Capital cushion | 88 (stronger) | 86 |
| Loan quality | 74 (stronger) | 0 |
| Earnings | 90 (stronger) | 16 |
| Funding & liquidity | 90 (stronger) | 69 |
| Problem-loan coverage | 93 (stronger) | 60 |
| Peer percentile | 89th | 3rd |
| Total assets | $332.2M | $235.1M |
| Deposits / shares | $280.1M | $202.5M |
| Capital ratio | 13.81% (stronger) | 13.59% |
| Problem loans | 0.79% (stronger) | 3.51% |
| Net charge-offs | 0.22% (stronger) | 1.09% |
| Return on assets | 1.75% (stronger) | -0.10% |
| Loans ÷ deposits | 70.6% (stronger) | 90.9% |
| Uninsured deposits | 9.0% | 7.5% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.6% | 34.1% |
First Atlantic Federal Credit Union has the higher TellerScore (86 vs 45). On the 7 directional measures above (where higher or lower is clearly better), First Atlantic Federal Credit Union leads on 6 and The Atlantic Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.