Federal credit union · VINELAND, New Jersey · NCUA charter #3541
Bay Atlantic
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $94.7M
- Total assets
- 9,205
- Members
- 9.0%
- Net-worth ratio
Bay Atlantic scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $94.7M; members 9,205; net-worth ratio 8.96%; health rank #1,725 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,725 of 4,374 health · 2025Q4Bay Atlantic · health 87/100 · $94.7M · 2025Q4
Call Report peers
Bay Atlantic in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bay Atlantic vs every NCUA-scored credit union
Bay Atlantic sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
Bay Atlantic vs $50M–$100M peers
- Largest favorable gap: Delinquency Rate at 0.10% vs peer 0.96% (-0.87 pp).
- Loan-to-Share Ratio trails the peer set - 50.39% here, 62.60% peer average (-12.21 pp).
Where Bay Atlantic sits in New Jersey
- Health composite ranks #14 of 127 among scored New Jersey credit unions.
- By total assets, Bay Atlantic is #31 of 127 in New Jersey.
- Membership ranks #23 of 127 among New Jersey CUs with a reported count (9,205 members).
- One place up in New Jersey, New Brunswick Postal (#13) ties at 87/100; one place down, Trenton Nj Firemen (#15) scores 86/100, 1 point lower.
How Bay Atlantic's 5300 filing moved
Bay Atlantic: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $94.7M (2025Q4) to $95.5M (2026Q1).
- Net-worth ratio shifted -0.01 pp (8.97% → 8.96%).
8.96% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Bay Atlantic gives up 13 points in total. Member Growth costs the most, 5.6 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 27.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.4 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 10.8 pts
Call Report ratios for Bay Atlantic
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.96% | -4.66 pp |
| Delinquency Rate | 0.10% | -0.87 pp |
| Return on Assets | 0.46% | -0.20 pp |
| Member Growth | 0.29% | - |
| Loan-to-Share Ratio | 50.39% | -12.21 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Bay Atlantic filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $95.5M | - |
| 2025Q4 | $94.7M | 9,205 |
| 2024Q4 | $87.1M | 9,178 |
| 2023Q4 | $83.4M | 9,290 |
Credit Union Details
- Charter Number
- 3541
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New Jersey
- City
- VINELAND
- Data Quarter
- 2025Q4
Branch Locations (3)
Bay Atlantic operates 3 offices in Vineland, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Elmer (Main Office) | Vineland, NJ |
| Members 1st of NJ Federal Credit Union | Vineland, NJ |
| BAFCU Loan Center | Vineland, 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.
Cross-state Call Report peers for Bay Atlantic
Using this data
- Bay Atlantic ranks #1,725 of 4,374 nationally on financial health and #14 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RIDGEDALE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RIDGEDALE
Frequently Asked Questions
Is Bay Atlantic financially healthy?
Bay Atlantic has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,725 of 4,374 nationally on health and #14 of 127 in New Jersey. Its net worth ratio is 8.96% and its delinquency rate 0.10%.
How does Bay Atlantic compare to other credit unions?
Bay Atlantic scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.10% vs 0.96%). Its widest shortfall is loan-to-share ratio (50.39% vs 62.60%).
How can I join Bay Atlantic?
Bay Atlantic 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 Bay Atlantic directly for the exact boundaries and application steps.
Is my money safe at Bay Atlantic?
Bay Atlantic 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. Bay Atlantic's net worth ratio of 8.96% 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.