Federal credit union · Kenilworth, New Jersey · NCUA charter #477
The Atlantic
Health score 50/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $239.9M
- Total assets
- 14,754
- Members
- 13.4%
- Net-worth ratio
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.
The Atlantic - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)20
- Member growth11
- Liquidity (loan-to-share)100
Weighted composite: 50/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.36% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.36% | 30% |
| Delinquency Rate | 5.31% | 25% |
| Return on Assets | -0.17% | 15% |
| Member Growth | -4.07% | 15% |
| Loan-to-Share Ratio | 89.50% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About The Atlantic
Charter #477, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's The Atlantic, a federal credit union in Kenilworth, New Jersey with 14,754 members, $239.9M in total assets, and $185.8M in outstanding loans as of Q4 2025. The five-factor composite scores it 50/100 (Fair), helped by a net worth ratio of 13.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 89.50% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 5.31% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at -0.17% on net income of $-398697 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.07%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.36% 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 13.36% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.