Federal credit union · EATONTOWN, New Jersey · NCUA charter #82
First Atlantic
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $321.8M
- Total assets
- 21,897
- Members
- 13.4%
- Net-worth ratio
First Atlantic scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $321.8M; members 21,897; net-worth ratio 13.36%; health rank #2,723 of 4,374; healthier than 36th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,723 of 4,374 health · 2025Q4First Atlantic · health 80/100 · $321.8M · 2025Q4
Call Report peers
First Atlantic in the assets neighbourhood
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First Atlantic vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); First Atlantic sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where First Atlantic diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 13.36% vs peer 12.11% (+1.25 pp).
- Largest lag: Delinquency Rate at 1.05% vs peer 0.89% (+0.16 pp).
New Jersey standing for First Atlantic
- In New Jersey, health place is #42 of 127 on the same NCUA-ratio sort used nationally.
- New Jersey assets place: #10 of 127.
- Member book place in New Jersey: #10 of 127.
- One place up in New Jersey, Public Service (#41) ties at 80/100; one place down, New Jersey State Pba (#43) scores 79/100, 1 point lower.
First Atlantic Call Report trajectory
First Atlantic: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $321.8M (2025Q4) to $331.8M (2026Q1).
- Net-worth ratio shifted +0.00 pp (13.36% → 13.36%).
This credit union's 13.36% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
First Atlantic gives up 20 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.6 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
First Atlantic health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.36% | +1.25 pp |
| Delinquency Rate | 1.05% | +0.16 pp |
| Return on Assets | 1.46% | +0.83 pp |
| Member Growth | -9.05% | - |
| Loan-to-Share Ratio | 73.26% | +1.06 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
First Atlantic filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $331.8M | - |
| 2025Q4 | $321.8M | 21,897 |
| 2024Q4 | $298.3M | 24,075 |
| 2023Q4 | $295.4M | 24,075 |
Credit Union Details
- Charter Number
- 82
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- EATONTOWN
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for First Atlantic, spread across 3 cities.
| Office | City |
|---|---|
| CORP HEADQUARTERS (Main Office) | EATONTOWN, NJ |
| EATONTOWN | EATONTOWN, NJ |
| OceanPort | OceanPort, NJ |
| Toms River - Rte 9 | Toms River, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
Other-state peers near First Atlantic
Using this data
- First Atlantic ranks #2,723 of 4,374 nationally on financial health and #42 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Teletech Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Teletech Financial
Frequently Asked Questions
Is First Atlantic financially healthy?
On its 2025Q4 NCUA 5300 filing, First Atlantic scores 80/100 (Excellent), with a 13.36% net worth ratio and 1.05% of loans delinquent. It ranks #2,723 of 4,374 nationally on health and #42 of 127 in New Jersey.
How does First Atlantic compare to other credit unions?
First Atlantic scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.36% vs 12.11%). Its widest shortfall is delinquency rate (1.05% vs 0.89%).
How can I join First Atlantic?
First 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 First Atlantic directly for the exact boundaries and application steps.
Is my money safe at First Atlantic?
First 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. First Atlantic's net worth ratio of 13.36% 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.