Federal credit union · MAYS LANDING, New Jersey · NCUA charter #3755
Atlantic City Electric Co Emp
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $60.7M
- Total assets
- 3,867
- Members
- 14.0%
- Net-worth ratio
Atlantic City Electric Co Emp scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $60.7M; members 3,867; net-worth ratio 13.97%; health rank #3,524 of 4,374; healthier than 18th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,524 of 4,374 health · 2025Q4Atlantic City Electric Co E… · health 71/100 · $60.7M · 2025Q4
Call Report peers
Atlantic City Electric Co Emp in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Atlantic City Electric Co Emp vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Atlantic City Electric Co Emp sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Atlantic City Electric Co Emp: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +0.35 pp (13.97% vs 13.62%).
- Loan-to-Share Ratio trails the peer set - 41.64% here, 62.60% peer average (-20.96 pp).
Where Atlantic City Electric Co Emp sits in New Jersey
- New Jersey health ordinal: #72 of 127.
- New Jersey assets place: #42 of 127.
- New Jersey membership ordinal: #39 of 127.
- One place up in New Jersey, East Orange Firemens (#71) ties at 71/100; one place down, Liberty Savings (#73) ties at 71/100.
Atlantic City Electric Co Emp: 2025Q4 → 2026Q1
Atlantic City Electric Co Emp: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.5% from $60.7M (2025Q4) to $64.7M (2026Q1).
- Net-worth ratio shifted -0.72 pp (14.69% → 13.97%).
At 13.97%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 71/100 score is built
Atlantic City Electric Co Emp gives up 29 points in total. Delinquency Rate costs the most, 16.8 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.2 pts
- Return on Assets 14.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 9.3 pts
Atlantic City Electric Co Emp vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.97% | +0.35 pp |
| Delinquency Rate | 2.68% | +1.72 pp |
| Return on Assets | 0.43% | -0.22 pp |
| Member Growth | 0.39% | - |
| Loan-to-Share Ratio | 41.64% | -20.96 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $64.7M | - |
| 2025Q4 | $60.7M | 3,867 |
| 2024Q4 | $59.2M | 3,852 |
| 2023Q4 | $58.2M | 3,854 |
Credit Union Details
- Charter Number
- 3755
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New Jersey
- City
- MAYS LANDING
- Data Quarter
- 2025Q4
Branch Location
Atlantic City Electric Co Emp operates a single office in Mays Landing, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Mays Landing (Main Office) | Mays Landing, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Atlantic City Electric Co Emp
Using this data
- Atlantic City Electric Co Emp ranks #3,524 of 4,374 nationally on financial health and #72 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MOTION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MOTION
Frequently Asked Questions
Is Atlantic City Electric Co Emp financially healthy?
On its 2025Q4 NCUA 5300 filing, Atlantic City Electric Co Emp scores 71/100 (Very Good), with a 13.97% net worth ratio and 2.68% of loans delinquent. It ranks #3,524 of 4,374 nationally on health and #72 of 127 in New Jersey.
How does Atlantic City Electric Co Emp compare to other credit unions?
Atlantic City Electric Co Emp scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (13.97% vs 13.62%). Its widest shortfall is loan-to-share ratio (41.64% vs 62.60%).
How can I join Atlantic City Electric Co Emp?
Atlantic City Electric Co Emp operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Atlantic City Electric Co Emp directly for the exact boundaries and application steps.
Is my money safe at Atlantic City Electric Co Emp?
Atlantic City Electric Co Emp is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Atlantic City Electric Co Emp's net worth ratio of 13.97% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.