Side-by-side · Q2 2026 data
The Atlantic Federal Credit Union vs Division 819 Transit Employees Credit Union
Credit union
The Atlantic Federal Credit Union
Kenilworth, New Jersey · $100 million – $1 billion
Credit union
Division 819 Transit Employees Credit Union
Irvington, New Jersey · Under $100 million in assets
Metric by metric
| Measure | The Atlantic Federal Credit Union | Division 819 Transit Employees Credit Union |
|---|---|---|
| TellerScore | 45 | 88 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 0 | 66 (stronger) |
| Earnings | 16 | 83 (stronger) |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 60 | 96 (stronger) |
| Peer percentile | 3rd | 85th |
| Total assets | $235.1M | $16.7M |
| Deposits / shares | $202.5M | $13.7M |
| Capital ratio | 13.59% | 17.89% (stronger) |
| Problem loans | 3.51% | 1.02% (stronger) |
| Net charge-offs | 1.09% (stronger) | 1.73% |
| Return on assets | -0.10% | 1.56% (stronger) |
| Loans ÷ deposits | 90.9% | 42.6% (stronger) |
| Uninsured deposits | 7.5% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.1% | — |
Division 819 Transit Employees Credit Union has the higher TellerScore (88 vs 45). On the 7 directional measures above (where higher or lower is clearly better), The Atlantic Federal Credit Union leads on 1 and Division 819 Transit Employees Credit Union on 6. 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.