Side-by-side · Q2 2026 data
Millville Savings Bank vs Bay Atlantic Federal Credit Union
Credit union
Bay Atlantic Federal Credit Union
Vineland, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Millville Savings Bank | Bay Atlantic Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 66 |
| Capital cushion | 86 (stronger) | 39 |
| Loan quality | 96 (stronger) | 92 |
| Earnings | 33 | 33 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 80th | 32nd |
| Total assets | $169.9M | $97.1M |
| Deposits / shares | $149.2M | $87.7M |
| Capital ratio | 13.63% (stronger) | 8.92% |
| Problem loans | 0.12% (stronger) | 0.23% |
| Net charge-offs | -0.01% (stronger) | 0.32% |
| Return on assets | 0.33% (stronger) | 0.33% |
| Loans ÷ deposits | 52.4% (stronger) | 54.5% |
| Uninsured deposits | 9.3% | 3.1% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | 0.0% |
Millville Savings Bank has the higher TellerScore (81 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Millville Savings Bank leads on 6 and Bay Atlantic Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.