TellerScore

Bay Atlantic Federal Credit Union (NCUA charter #3541) is based in Vineland, New Jersey. Its Q2 2026 call report shows $97.1M in total assets and $87.7M in member shares and deposits and 3 offices.

Bay Atlantic Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 67th. Funding & liquidity contributes the most (100/100, 54% loans-to-deposits, 3% uninsured); earnings contributes the least (33/100, 0.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Net worth ratio: 8.92%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.23%
Earnings33/100
Return on assets (annualized): 0.33%
Funding & liquidity100/100
Loans ÷ shares: 54.5% · 3.1% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.26%

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 5 points (71 → 66), mostly because the earnings component weakened by 25 points.

TellerScore
656871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202465
Q4 202468
Q1 202569
Q2 202571
Q3 202571
Q4 202571
Q1 202665
Q2 202666
Net worth ratio
7.00%8.09%9.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.20%
Q3 20248.43%
Q4 20248.95%
Q1 20258.65%
Q2 20258.90%
Q3 20259.18%
Q4 20258.97%
Q1 20268.96%
Q2 20268.92%
Delinquent loans (60+ days)
0.10%0.23%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.12%
Q3 20240.21%
Q4 20240.14%
Q1 20250.22%
Q2 20250.23%
Q3 20250.37%
Q4 20250.10%
Q1 20260.28%
Q2 20260.23%
Return on assets
0.26%0.61%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.39%
Q4 20240.50%
Q1 20250.75%
Q2 20250.95%
Q3 20250.95%
Q4 20250.74%
Q1 20260.26%
Q2 20260.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$97.1M8.92%0.23%0.33%54.5%
Q1 202665$95.5M8.96%0.28%0.26%51.0%
Q4 202571$94.7M8.97%0.10%0.74%50.4%
Q3 202571$92.1M9.18%0.37%0.95%49.9%
Q2 202571$92.6M8.90%0.23%0.95%48.9%
Q1 202569$92.2M8.65%0.22%0.75%48.8%
Q4 202468$87.1M8.95%0.14%0.50%51.8%
Q3 202465$90.5M8.43%0.21%0.39%52.0%
Q2 202465$91.0M8.20%0.12%0.30%51.7%

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 ratio8.92%
9th
Problem loans0.23%
72nd
Net charge-offs0.32%
37th
Return on assets0.33%
33rd
Loans to deposits54.5%
56th
Uninsured deposits3.1%
36th
Loan-loss reserves0.00%
37th
Texas ratio1.3%
61st

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Ridgedale Federal Credit UnionCredit union East Hanover, NJ53 out of 100, Below average$98.0M9.1%1.04%vs
Irco Community Federal Credit UnionCredit union Phillipsburg, NJ78 out of 100, Strong$93.7M10.1%0.01%vs
Central Jersey Federal Credit UnionCredit union Woodbridge, NJ67 out of 100, Moderate$93.2M10.6%0.98%vs
Union Building Trades Federal Credit UnionCredit union Parsippany, NJ71 out of 100, Strong$85.8M12.8%0.84%vs
B-M S Federal Credit UnionCredit union New Brunswick, NJ80 out of 100, Strong$81.7M21.1%0.54%vs
Rutgers Federal Credit UnionCredit union New Brunswick, NJ85 out of 100, Very strong$77.4M12.6%0.39%vs

Deposit insurance

Is my money safe at Bay Atlantic Federal Credit Union?

Yes. Bay Atlantic Federal Credit Union is a federally insured credit union (NCUA charter #3541). 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 3.1% of shares and deposits ($2.7M) 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 8.92%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Bay Atlantic Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bay Atlantic Federal Credit Union reported 19 home-loan applications under HMDA (LEI 54930020CYU37Y05PR58): 19 originated ($1,615,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bay Atlantic Federal Credit Union
Type
Federal credit union
NCUA charter #
3541
RSSD ID
677073
Primary regulator
NCUA
Established
1939
Headquarters
101 W Elmer Road, Vineland, NJ 08360
Employees
32

Quick answers

Bay Atlantic Federal Credit Union: common questions

Is Bay Atlantic Federal Credit Union NCUA insured?

Yes. Bay Atlantic Federal Credit Union is a federally insured credit union (NCUA charter #3541). 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 Bay Atlantic Federal Credit Union's TellerScore?

66 out of 100 (Moderate), 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 Bay Atlantic Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Vineland

InstitutionScoreAssetsCapitalProblem loansCompare
Police & Fire Federal Credit UnionCredit union Philadelphia, PA96 out of 100, Very strong$10.2B18.6%0.24%vs
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
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