Bay Atlantic

VINELAND, NJ · 1 · Charter #3541 · www.bayatlanticfcu.org
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
$94.7M
42th percentile
Members
9,205
63th percentile
Total loans
$42.8M
32th percentile
Total shares
$84.9M
45th percentile

Profitability

Return on assets
0.86%
38th percentile
Net interest margin
4.00%
69th percentile
Efficiency ratio
79.89%
7th percentile
Non-interest income ratio
25.94%
86th percentile

Capital & Risk

Net worth ratio
8.97%
11th percentile
Delinquency rate
0.10%
94th percentile
Net charge-off rate
0.29%
54th percentile
Loan-to-share
50.39%
21th percentile

Growth

Member growth YoY
0.29%
62th percentile
Asset growth YoY
8.64%
83th percentile
Loan growth YoY
4.73%
70th percentile
Share growth YoY
7.57%
80th percentile

Operations

Members / branch
4,603
78th percentile
Assets / member
$10,285
16th percentile
Field of membership penetration
75.19%
97th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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