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.

From Q2 2025 to Q2 2026, the score rose 11 points (75 → 86), mostly because the earnings component improved by 15 points.

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

Similar-size credit unions in New Jersey

Yes. First Atlantic Federal Credit Union is a federally insured credit union (NCUA charter #82). 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 9.0% of shares and deposits ($25.1M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.81%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

First Atlantic Federal Credit Union lists 3 offices in 2 cities. Most locations:

• Eatontown, NJ (2)
• Toms River, NJ (1)

All branch addresses and map

In 2025, First Atlantic Federal Credit Union reported 321 home-loan applications under HMDA (LEI 549300GMXZWXNOS1US34): 209 originated ($36,925,000 total), 64 denied, and 38 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.6%, 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.

Legal name

First Atlantic Federal Credit Union

Type

Federal credit union

NCUA charter #

82

RSSD ID

3074

Primary regulator

NCUA

Established

1935

Headquarters

468 Industrial Way W, Eatontown, NJ 07724

Employees

47