Side-by-side · Q2 2026 data
The Atlantic Federal Credit Union vs North Jersey Federal Credit Union
Credit union
The Atlantic Federal Credit Union
Kenilworth, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | The Atlantic Federal Credit Union | North Jersey Federal Credit Union |
|---|---|---|
| TellerScore | 45 | 66 (stronger) |
| Capital cushion | 86 (stronger) | 55 |
| Loan quality | 0 | 70 (stronger) |
| Earnings | 16 | 43 (stronger) |
| Funding & liquidity | 69 | 97 (stronger) |
| Problem-loan coverage | 60 | 90 (stronger) |
| Peer percentile | 3rd | 37th |
| Total assets | $235.1M | $255.6M |
| Deposits / shares | $202.5M | $234.6M |
| Capital ratio | 13.59% (stronger) | 10.53% |
| Problem loans | 3.51% | 0.89% (stronger) |
| Net charge-offs | 1.09% | 0.39% (stronger) |
| Return on assets | -0.10% | 0.58% (stronger) |
| Loans ÷ deposits | 90.9% | 62.9% (stronger) |
| Uninsured deposits | 7.5% | 4.1% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.1% | 20.2% |
North Jersey Federal Credit Union has the higher TellerScore (66 vs 45). On the 7 directional measures above (where higher or lower is clearly better), The Atlantic Federal Credit Union leads on 1 and North Jersey Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.