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.
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NCUA 5300 Call Report Masthead
#4,274 of 4,374 health · 2025Q4The Atlantic · health 50/100 · $239.9M · 2025Q4
Call Report peers
The Atlantic in the assets neighbourhood
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The Atlantic vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The Atlantic sits in 50-54 with 82 others.
50 2nd percentile higher than 2% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in New Jersey, Hamilton Horizons (#121) scores 53/100, 3 points higher; one place down, Community Financial Services (#123) scores 49/100, 1 point lower.
The Atlantic: 2025Q4 → 2026Q1
The Atlantic: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.6% from $239.9M (2025Q4) to $236.0M (2026Q1).
- Net-worth ratio shifted +0.11 pp (13.36% → 13.47%).
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
The Atlantic gives up 50 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is The Atlantic financially healthy?
On its 2025Q4 NCUA 5300 filing, The Atlantic scores 50/100 (Fair), with a 13.47% net worth ratio and 5.31% of loans delinquent. It ranks #4,274 of 4,374 nationally on health and #122 of 127 in New Jersey.
How does The Atlantic compare to other credit unions?
The Atlantic scores 50/100, higher than 2% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.50% vs 72.20%). Its widest shortfall is delinquency rate (5.31% vs 0.89%).
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?
The 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. The Atlantic's net worth ratio of 13.47% 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.