The Atlantic

Kenilworth, NJ · 1 · Charter #477 · www.theatlanticfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$239.9M
98th percentile
Members
14,754
90th percentile
Total loans
$185.8M
99th percentile
Total shares
$184.6M
93th percentile

Profitability

Return on assets
0.63%
24th percentile
Net interest margin
3.84%
60th percentile
Efficiency ratio
61.81%
53th percentile
Non-interest income ratio
13.39%
32th percentile

Capital & Risk

Net worth ratio
13.36%
63th percentile
Delinquency rate
5.31%
1th percentile
Net charge-off rate
1.40%
6th percentile
Loan-to-share
100.67%
96th percentile

Growth

Member growth YoY
-4.07%
16th percentile
Asset growth YoY
-3.38%
6th percentile
Loan growth YoY
-5.55%
16th percentile
Share growth YoY
6.84%
76th percentile

Operations

Members / branch
7,377
95th percentile
Assets / member
$16,258
64th percentile
Field of membership penetration
1.13%
17th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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