Side-by-side · Q2 2026 data
First Point Federal Credit Union vs Atlantic Health Employees Federal Credit Union
Credit union
First Point Federal Credit Union
Hamilton, New Jersey · Under $100 million in assets
Credit union
Atlantic Health Employees Federal Credit Union
Summit, New Jersey · Under $100 million in assets
Metric by metric
| Measure | First Point Federal Credit Union | Atlantic Health Employees Federal Credit Union |
|---|---|---|
| TellerScore | 52 (stronger) | 43 |
| Capital cushion | 24 | 57 (stronger) |
| Loan quality | 75 (stronger) | 0 |
| Earnings | 6 | 18 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 (stronger) | 70 |
| Peer percentile | 11th | 4th |
| Total assets | $25.0M | $27.9M |
| Deposits / shares | $23.9M | $24.7M |
| Capital ratio | 7.36% | 10.73% (stronger) |
| Problem loans | 0.74% (stronger) | 4.85% |
| Net charge-offs | 1.02% | 0.06% (stronger) |
| Return on assets | -0.36% | -0.04% (stronger) |
| Loans ÷ deposits | 26.1% (stronger) | 37.7% |
| Uninsured deposits | 4.2% | 0.0% (stronger) |
| Offices | 0 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Point Federal Credit Union has the higher TellerScore (52 vs 43). On the 7 directional measures above (where higher or lower is clearly better), First Point Federal Credit Union leads on 3 and Atlantic Health Employees Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.