Side-by-side · Q2 2026 data
First Commerce Bank vs First Atlantic Federal Credit Union
Credit union
First Atlantic Federal Credit Union
Eatontown, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | First Commerce Bank | First Atlantic Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 86 (stronger) |
| Capital cushion | 52 | 88 (stronger) |
| Loan quality | 76 (stronger) | 74 |
| Earnings | 59 | 90 (stronger) |
| Funding & liquidity | 32 | 90 (stronger) |
| Problem-loan coverage | 83 | 93 (stronger) |
| Peer percentile | 21st | 89th |
| Total assets | $2.0B | $332.2M |
| Deposits / shares | $1.4B | $280.1M |
| Capital ratio | 10.15% | 13.81% (stronger) |
| Problem loans | 0.72% (stronger) | 0.79% |
| Net charge-offs | 0.00% (stronger) | 0.22% |
| Return on assets | 0.96% | 1.75% (stronger) |
| Loans ÷ deposits | 107.3% | 70.6% (stronger) |
| Uninsured deposits | 33.7% | 9.0% (stronger) |
| Offices | 11 | 3 |
| 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 60). On the 7 directional measures above (where higher or lower is clearly better), First Commerce Bank leads on 2 and First Atlantic Federal Credit Union on 5. 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.