Federal credit union · Summit, New Jersey · NCUA charter #21737
Atlantic Health Employees
Health score 67/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $27.4M
- Total assets
- 5,510
- Members
- 10.1%
- Net-worth ratio
Atlantic Health Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #21737, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Atlantic Health Employees - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)82
- Member growth98
- Liquidity (loan-to-share)67
Weighted composite: 67/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.14% | 30% |
| Delinquency Rate | 4.45% | 25% |
| Return on Assets | 0.32% | 15% |
| Member Growth | 4.73% | 15% |
| Loan-to-Share Ratio | 44.32% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $27.4M | 5,510 |
| 2024Q4 | $29.7M | 5,261 |
| 2023Q4 | $30.0M | 5,194 |
Credit Union Details
- Charter Number
- 21737
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Summit
- Data Quarter
- 2025Q4
What This Data Says About Atlantic Health Employees
Headquartered in Summit, New Jersey, Atlantic Health Employees is a federal credit union with 5,510 members, $27.4M in total assets, and $10.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 67/100 (Good), driven in part by a net worth ratio of 10.14% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #21737 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
4.45% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 44.32% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.32% on net income of $87K 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 4.73%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
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 Health Employees financially healthy?
A 10.14% net worth ratio and a 4.45% delinquency rate feed into Atlantic Health Employees's financial health score of 67/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Atlantic Health Employees compare to other credit unions?
Atlantic Health Employees scores 67/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Health Employees?
Atlantic Health Employees 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 Health Employees directly for the exact boundaries and application steps.
Is my money safe at Atlantic Health Employees?
Federal credit unions like Atlantic Health Employees 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 Health Employees's net worth ratio of 10.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Atlantic Health Employees offer compared to banks?
Credit unions like Atlantic Health Employees 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 Health Employees 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.