Federal credit union · Summit, New Jersey · NCUA charter #21737
Atlantic Health Employees
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $27.4M
- Total assets
- 5,510
- Members
- 10.5%
- Net-worth ratio
Atlantic Health Employees scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.4M; members 5,510; net-worth ratio 10.55%; health rank #3,769 of 4,374; healthier than 13th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,769 of 4,374 health · 2025Q4Atlantic Health Employees · health 67/100 · $27.4M · 2025Q4
- NW 67/100
- DELQ 10.5%
- ROA 4.45%
- ASSETS 0.32%
- MEM $27.4M
- RANK 5,510
- PHOTO #3,769/4,374
- BOOK PENLANCO
- CHARTER 21737
Call Report peers
Atlantic Health Employees in the assets neighbourhood
Atlantic Health Employees's $27.4M assets sit next to PENLANCO ($27.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Atlantic Health Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
67 13th percentile higher than 13% 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 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.
Peer-gap read for Atlantic Health Employees
- Largest lag: Loan-to-Share Ratio at 44.32% vs peer 59.80% (-15.48 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New Jersey standing for Atlantic Health Employees
- Health composite ranks #93 of 127 among scored New Jersey credit unions.
- New Jersey assets place: #58 of 127.
- Member book place in New Jersey: #36 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Atlantic Health Employees
Atlantic Health Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.4% from $27.4M (2025Q4) to $28.6M (2026Q1).
- Net-worth ratio shifted -0.39 pp (10.94% → 10.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.55% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 12.3 pts
- Member Growth 14.7 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.55% | -4.31 pp |
| Delinquency Rate | 4.45% | +3.31 pp |
| Return on Assets | 0.32% | -0.39 pp |
| Member Growth | 4.73% | - |
| Loan-to-Share Ratio | 44.32% | -15.48 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Atlantic Health Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.6M | - |
| 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
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Atlantic Health Employees, spread across 3 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Summit, NJ |
| Archive Systems, Inc/Filebridge | Fairfield, NJ |
| MMH Branch | Morristown, 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 Health Employees
Two NCUA Call Report peer sets for Atlantic Health Employees, both outside New Jersey so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($27.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- Atlantic Health Employees ranks #3,769 of 4,374 nationally on financial health and #93 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Nj Gateway is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Nj Gateway
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Atlantic Health Employees financially healthy?
A 10.55% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,769 of 4,374; by total assets it ranks #2,926 of 4,374 nationally (same basis as /rankings/largest); and #58 of 127 within New Jersey. 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 10.55% 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.
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.