Federal credit union · Kenilworth, New Jersey · NCUA charter #477
The Atlantic
Health score 50/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $239.9M
- Total assets
- 14,754
- Members
- 13.5%
- Net-worth ratio
The Atlantic scores 50/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $239.9M; members 14,754; net-worth ratio 13.47%; health rank #4,274 of 4,374; healthier than 2nd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,274 of 4,374 health · 2025Q4The Atlantic · health 50/100 · $239.9M · 2025Q4
- BOOK 50/100
- CHARTER 13.5%
- NCUSIF 5.31%
- CAMELS -0.17%
- HEALTH $239.9M
- NW 14,754
- DELQ #4,274/4,374
- ROA Building Trades
- ASSETS 477
Call Report peers
The Atlantic in the assets neighbourhood
The Atlantic's $239.9M assets sit next to Building Trades ($239.8M) 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.
The Atlantic 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
50 2nd percentile higher than 2% 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
The Atlantic - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #477: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for The Atlantic
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +17.30 pp (89.50% vs 72.20%).
- Widest shortfall vs peers is Delinquency Rate: +4.42 pp (5.31% vs 0.89%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
The Atlantic: in-state Call Report ranks
- Health composite ranks #122 of 127 among scored New Jersey credit unions.
- By total assets, The Atlantic is #15 of 127 in New Jersey.
- New Jersey membership ordinal: #18 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.
The Atlantic: 2025Q4 → 2026Q1
The Atlantic: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.6% from $239.9M (2025Q4) to $236.0M (2026Q1).
- Net-worth ratio shifted +0.11 pp (13.36% → 13.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 50/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 50.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 3.0 pts
- Member Growth 1.7 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for The Atlantic
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.47% | +1.36 pp |
| Delinquency Rate | 5.31% | +4.42 pp |
| Return on Assets | -0.17% | -0.79 pp |
| Member Growth | -4.07% | - |
| Loan-to-Share Ratio | 89.50% | +17.30 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - The Atlantic
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $236.0M | - |
| 2025Q4 | $239.9M | 14,754 |
| 2024Q4 | $248.3M | 15,380 |
| 2023Q4 | $244.3M | 16,370 |
Credit Union Details
- Charter Number
- 477
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- Kenilworth
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, The Atlantic runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Atlantic Federal Credit Union (Main Office) | Springfield, NJ |
| The Atlantic Federal Credit Union | East Orange, NJ |
| Atlantic Federal Credit Union | Union, 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.
Cross-state Call Report peers for The Atlantic
Two NCUA Call Report peer sets for The Atlantic, 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 ($239.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (50/100 here).
Using this data
- The Atlantic ranks #4,274 of 4,374 nationally on financial health and #122 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jersey Shore is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jersey Shore
- 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 The Atlantic financially healthy?
Yes/no aside, the number is 50/100 (Fair) - The Atlantic's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,274 of 4,374; by total assets it ranks #1,169 of 4,374 nationally (same basis as /rankings/largest); and #15 of 127 within New Jersey. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.47% net worth ratio and 5.31% delinquency rate are the key drivers.
How does The Atlantic compare to other credit unions?
50/100 is The Atlantic's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 The Atlantic?
The 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 The Atlantic directly for the exact boundaries and application steps.
Is my money safe at The Atlantic?
Federal credit unions like The Atlantic 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. The Atlantic's net worth ratio of 13.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Atlantic offer compared to banks?
Credit unions like The Atlantic 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 The Atlantic 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.