Side-by-side · Q2 2026 data
Police & Fire Federal Credit Union vs Bay Atlantic Federal Credit Union
Credit union
Police & Fire Federal Credit Union
Philadelphia, Pennsylvania · Over $10 billion
Credit union
Bay Atlantic Federal Credit Union
Vineland, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Police & Fire Federal Credit Union | Bay Atlantic Federal Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 39 |
| Loan quality | 92 | 92 |
| Earnings | 98 (stronger) | 33 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 100th | 32nd |
| Total assets | $10.2B | $97.1M |
| Deposits / shares | $8.3B | $87.7M |
| Capital ratio | 18.56% (stronger) | 8.92% |
| Problem loans | 0.24% | 0.23% (stronger) |
| Net charge-offs | 0.33% | 0.32% (stronger) |
| Return on assets | 1.95% (stronger) | 0.33% |
| Loans ÷ deposits | 68.9% | 54.5% (stronger) |
| Uninsured deposits | 9.1% | 3.1% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Police & Fire Federal Credit Union has the higher TellerScore (96 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Police & Fire Federal Credit Union leads on 3 and Bay Atlantic Federal Credit Union on 4. 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.