The Atlantic Federal Credit Union (NCUA charter #477) is based in Kenilworth, New Jersey. Its Q2 2026 call report shows $235.1M in total assets and $202.5M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, The Atlantic Federal Credit Union scores 45/100, which we describe as below average. That is higher than only 3% of 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 118th. Its strongest component is capital cushion (86/100; 13.59%), and its lowest is loan quality (0/100; 3.51%).
TellerScore · Q2 2026
Scorecard
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 20 points (65 → 45), mostly because the loan quality component weakened by 51 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 61 |
| Q4 2024 | 59 |
| Q1 2025 | 66 |
| Q2 2025 | 65 |
| Q3 2025 | 48 |
| Q4 2025 | 40 |
| Q1 2026 | 42 |
| Q2 2026 | 45 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.80% |
| Q3 2024 | 13.73% |
| Q4 2024 | 13.61% |
| Q1 2025 | 13.89% |
| Q2 2025 | 14.03% |
| Q3 2025 | 13.91% |
| Q4 2025 | 13.36% |
| Q1 2026 | 13.47% |
| Q2 2026 | 13.59% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.38% |
| Q3 2024 | 1.38% |
| Q4 2024 | 1.54% |
| Q1 2025 | 1.52% |
| Q2 2025 | 1.48% |
| Q3 2025 | 3.51% |
| Q4 2025 | 5.31% |
| Q1 2026 | 3.36% |
| Q2 2026 | 3.51% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.32% |
| Q3 2024 | -0.21% |
| Q4 2024 | -0.16% |
| Q1 2025 | 0.60% |
| Q2 2025 | 0.29% |
| Q3 2025 | 0.04% |
| Q4 2025 | -0.63% |
| Q1 2026 | -0.48% |
| Q2 2026 | -0.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 45 | $235.1M | 13.59% | 3.51% | -0.10% | 90.9% |
| Q1 2026 | 42 | $236.0M | 13.47% | 3.36% | -0.48% | 91.1% |
| Q4 2025 | 40 | $239.9M | 13.36% | 5.31% | -0.63% | 89.5% |
| Q3 2025 | 48 | $243.3M | 13.91% | 3.51% | 0.04% | 90.7% |
| Q2 2025 | 65 | $243.2M | 14.03% | 1.48% | 0.29% | 90.4% |
| Q1 2025 | 66 | $245.8M | 13.89% | 1.52% | 0.60% | 90.8% |
| Q4 2024 | 59 | $248.3M | 13.61% | 1.54% | -0.16% | 91.3% |
| Q3 2024 | 61 | $247.7M | 13.73% | 1.38% | -0.21% | 90.6% |
| Q2 2024 | 60 | $246.4M | 13.80% | 1.38% | -0.32% | 91.3% |
1,341 peers · $100 million – $1 billion
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).
Similar-size credit unions in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Jersey Shore Federal Credit UnionCredit union Northfield, NJ | 73 out of 100, Strong | $246.3M | 9.8% | 0.29% | vs |
| Greater Alliance Federal Credit UnionCredit union Paramus, NJ | 48 out of 100, Below average | $247.6M | 8.8% | 1.58% | vs |
| North Jersey Federal Credit UnionCredit union Totowa, NJ | 66 out of 100, Moderate | $255.6M | 10.5% | 0.89% | vs |
| Edifi Federal Credit UnionCredit union Rancocas, NJ | 65 out of 100, Moderate | $262.4M | 9.3% | 0.72% | vs |
| Xcel Federal Credit UnionCredit union Bloomfield, NJ | 61 out of 100, Moderate | $185.8M | 10.9% | 0.99% | vs |
| First Financial Federal Credit UnionCredit union Freehold, NJ | 38 out of 100, Low | $176.1M | 8.3% | 2.78% | vs |
Deposit insurance
Is my money safe at The Atlantic Federal Credit Union?
Yes. The Atlantic Federal Credit Union is a federally insured credit union (NCUA charter #477). 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 7.5% of shares and deposits ($15.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 13.59%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
The Atlantic Federal Credit Union lists 1 office in 1 city. Most locations:
- Springfield, NJ (1)
HMDA 2025
Mortgage lending
In 2025, The Atlantic Federal Credit Union reported 43 home-loan applications under HMDA (LEI 254900P44XJB3CPZ4V05): 27 originated ($6,765,000 total), 14 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 34.1%, 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
- The Atlantic Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 477
- RSSD ID
- 179474
- Primary regulator
- NCUA
- Established
- 1935
- Headquarters
- P.O. Box 618, Kenilworth, NJ 07033
- Employees
- 36
Quick answers
The Atlantic Federal Credit Union: common questions
Is The Atlantic Federal Credit Union NCUA insured?
Yes. The Atlantic Federal Credit Union is a federally insured credit union (NCUA charter #477). 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 The Atlantic Federal Credit Union's TellerScore?
45 out of 100 (Below average), 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 The Atlantic Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Kenilworth
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Division 819 Transit Employees Credit UnionCredit union Irvington, NJ | 88 out of 100, Very strong | $16.7M | 17.9% | 1.02% | vs |
| Local 1233 Federal Credit UnionCredit union Newark, NJ | 88 out of 100, Very strong | $14.1M | 17.9% | 0.27% | vs |
| Hana Bank USA, National AssociationBank Fort Lee, NJ | 88 out of 100, Very strong | $835.2M | 25.4% | 0.00% | vs |