Federal credit union · MAYS LANDING, New Jersey · NCUA charter #3755
Atlantic City Electric Co Emp
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $60.7M
- Total assets
- 3,867
- Members
- 12.4%
- Net-worth ratio
Atlantic City Electric Co Emp - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #3755 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Atlantic City Electric Co Emp - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)33
- Earnings (ROA)93
- Member growth63
- Liquidity (loan-to-share)65
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.36%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.36% | 30% |
| Delinquency Rate | 2.68% | 25% |
| Return on Assets | 0.43% | 15% |
| Member Growth | 0.39% | 15% |
| Loan-to-Share Ratio | 41.64% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Atlantic City Electric Co Emp
The five-factor composite scores Atlantic City Electric Co Emp at 71/100 (Very Good), reflecting a net worth ratio of 12.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in MAYS LANDING, New Jersey, reports 3,867 members, $60.7M in total assets, and $22.5M in outstanding loans as of Q4 2025 under charter #3755 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 2.68% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. The loan-to-share ratio of 41.64% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.43% on net income of $263K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.39%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Atlantic City Electric Co Emp financially healthy?
Atlantic City Electric Co Emp scores 71/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.36% net worth ratio and a 2.68% delinquency rate.
How does Atlantic City Electric Co Emp compare to other credit unions?
On PlainCU's health composite, Atlantic City Electric Co Emp lands at 71/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Atlantic City Electric Co Emp are 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 12.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Atlantic City Electric Co Emp offer compared to banks?
Credit unions like Atlantic City Electric Co Emp are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Atlantic City Electric Co Emp directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.