TellerScore

Atlantic City Electric Co Emp Federal Credit Union is a federal credit union headquartered in Mays Landing, New Jersey, in business for about 86 years. At the end of Q2 2026 it reported $62.5M in total assets and $55.7M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Atlantic City Electric Co Emp Federal Credit Union scores 70/100, which we describe as strong. That is higher than only 40% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 59th. Its strongest component is funding & liquidity (100/100; 40% loans-to-deposits, 2% uninsured), and its lowest is loan quality (34/100; 1.98%).

TellerScore · Q2 2026

Scorecard

Capital cushion96/100
Net worth ratio: 14.58%
Loan quality34/100
Loans 60+ days delinquent ÷ total loans: 1.98%
Earnings45/100
Return on assets (annualized): 0.62%
Funding & liquidity100/100
Loans ÷ shares: 40.3% · 2.5% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.88%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (74 → 70), mostly because the earnings component weakened by 13 points.

TellerScore
636974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202468
Q4 202468
Q1 202573
Q2 202574
Q3 202570
Q4 202566
Q1 202663
Q2 202670
Net worth ratio
7.00%10.84%14.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.95%
Q3 202414.16%
Q4 202414.33%
Q1 202513.82%
Q2 202514.22%
Q3 202514.48%
Q4 202514.69%
Q1 202613.97%
Q2 202614.58%
Delinquent loans (60+ days)
1.68%2.18%2.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.68%
Q3 20242.00%
Q4 20242.05%
Q1 20252.05%
Q2 20251.72%
Q3 20252.31%
Q4 20252.68%
Q1 20262.67%
Q2 20261.98%
Return on assets
0.44%0.91%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.57%
Q4 20240.44%
Q1 20251.38%
Q2 20250.95%
Q3 20250.96%
Q4 20250.79%
Q1 20260.70%
Q2 20260.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$62.5M14.58%1.98%0.62%40.3%
Q1 202663$64.7M13.97%2.67%0.70%37.3%
Q4 202566$60.7M14.69%2.68%0.79%41.6%
Q3 202570$61.6M14.48%2.31%0.96%40.1%
Q2 202574$61.7M14.22%1.72%0.95%38.8%
Q1 202573$62.9M13.82%2.05%1.38%37.0%
Q4 202468$59.2M14.33%2.05%0.44%38.7%
Q3 202468$60.1M14.16%2.00%0.57%37.5%
Q2 202470$60.3M13.95%1.68%0.52%35.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.58%
51st
Problem loans1.98%
21st
Net charge-offs0.54%
25th
Return on assets0.62%
48th
Loans to deposits40.3%
78th
Uninsured deposits2.5%
40th
Loan-loss reserves0.00%
37th
Texas ratio4.9%
30th

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United Poles Federal Credit UnionCredit union Perth Amboy, NJ28 out of 100, Low$72.3M7.0%2.96%vs
Central Jersey Police & Fire Federal Credit UnionCredit union Hamilton, NJ91 out of 100, Very strong$52.3M14.4%0.48%vs
Mercer County NJ Teachers Federal Credit UnionCredit union Hamilton Square, NJ76 out of 100, Strong$52.2M14.8%2.62%vs

Deposit insurance

Is my money safe at Atlantic City Electric Co Emp Federal Credit Union?

Yes. Atlantic City Electric Co Emp Federal Credit Union is a federally insured credit union (NCUA charter #3755). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.5% of shares and deposits ($1.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.58%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Atlantic City Electric Co Emp Federal Credit Union lists 1 office in 1 city. Most locations:

  • Mays Landing, NJ (1)

All branch addresses and map

Identity & history

Profile

Legal name
Atlantic City Electric Co Emp Federal Credit Union
Type
Federal credit union
NCUA charter #
3755
RSSD ID
405070
Primary regulator
NCUA
Established
1940
Headquarters
P.O. Box 368, Mays Landing, NJ 08330
Employees
11

Quick answers

Atlantic City Electric Co Emp Federal Credit Union: common questions

Is Atlantic City Electric Co Emp Federal Credit Union NCUA insured?

Yes. Atlantic City Electric Co Emp Federal Credit Union is a federally insured credit union (NCUA charter #3755). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Atlantic City Electric Co Emp Federal Credit Union's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Atlantic City Electric Co Emp Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Mays Landing

InstitutionScoreAssetsCapitalProblem loansCompare
Parke BankBank Sewell, NJ85 out of 100, Very strong$2.3B15.9%0.27%vs
Century Savings BankBank Vineland, NJ81 out of 100, Strong$634.8M13.2%0.00%vs
Millville Savings BankBank Millville, NJ81 out of 100, Strong$169.9M13.6%0.12%vs
Atlantic City Police Federal Credit UnionCredit union Northfield, NJ78 out of 100, Strong$2.1M21.2%2.02%vs
Monroe Savings BankBank Williamstown, NJ76 out of 100, Strong$114.0M14.0%0.52%vs
Jersey Shore Federal Credit UnionCredit union Northfield, NJ73 out of 100, Strong$246.3M9.8%0.29%vs