Federal credit union · Northfield, New Jersey · NCUA charter #3420
Atlantic City Police
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $2.0M
- Total assets
- 255
- Members
- 20.9%
- Net-worth ratio
Atlantic City Police scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.0M; members 255; net-worth ratio 20.92%; health rank #2,931 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,931 of 4,374 health · 2025Q4Atlantic City Police · health 78/100 · $2.0M · 2025Q4
Call Report peers
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Atlantic City Police vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Atlantic City Police sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Atlantic City Police diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Return on Assets: +2.07 pp (2.52% vs 0.45%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -44.86 pp (18.74% vs 63.60%).
New Jersey standing for Atlantic City Police
- New Jersey health ordinal: #50 of 127.
- By total assets, Atlantic City Police is #118 of 127 in New Jersey.
- Member book place in New Jersey: #118 of 127.
- One place up in New Jersey, Public Service H C Employees (#49) ties at 78/100; one place down, Passaic Police (#51) ties at 78/100.
Quarter path for Atlantic City Police
Atlantic City Police: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $2.0M (2025Q4) to $2.1M (2026Q1).
- Net-worth ratio shifted -0.40 pp (21.32% → 20.92%).
20.92% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Atlantic City Police gives up 22 points in total. Member Growth costs the most, 14.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.3 pts
- Loan-to-Share Ratio 7.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.92% | +1.86 pp |
| Delinquency Rate | 0.29% | -1.52 pp |
| Return on Assets | 2.52% | +2.07 pp |
| Member Growth | -4.85% | - |
| Loan-to-Share Ratio | 18.74% | -44.86 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.1M | - |
| 2025Q4 | $2.0M | 255 |
| 2024Q4 | $2.0M | 268 |
| 2023Q4 | $1.9M | 258 |
Credit Union Details
- Charter Number
- 3420
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- Northfield
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Atlantic City Police.
| Office | City |
|---|---|
| Public Safety Building (Main Office) | Atlantic City, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Cross-state Call Report peers for Atlantic City Police
Using this data
- Atlantic City Police ranks #2,931 of 4,374 nationally on financial health and #50 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Clifton Nj Postal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Clifton Nj Postal Employees
Frequently Asked Questions
Is Atlantic City Police financially healthy?
On its 2025Q4 NCUA 5300 filing, Atlantic City Police scores 78/100 (Very Good), with a 20.92% net worth ratio and 0.29% of loans delinquent. It ranks #2,931 of 4,374 nationally on health and #50 of 127 in New Jersey.
How does Atlantic City Police compare to other credit unions?
Atlantic City Police scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is return on assets (2.52% vs 0.45%). Its widest shortfall is loan-to-share ratio (18.74% vs 63.60%).
How can I join Atlantic City Police?
Atlantic City Police carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Atlantic City Police directly to confirm current membership steps.
Is my money safe at Atlantic City Police?
Atlantic City Police 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 Police's net worth ratio of 20.92% 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.