First Atlantic

EATONTOWN, NJ · 1 · Charter #82 · www.fafcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$321.8M
21th percentile
Members
21,897
32th percentile
Total loans
$200.2M
20th percentile
Total shares
$273.3M
21th percentile

Profitability

Return on assets
1.93%
94th percentile
Net interest margin
3.86%
75th percentile
Efficiency ratio
48.66%
85th percentile
Non-interest income ratio
14.30%
23th percentile

Capital & Risk

Net worth ratio
13.36%
80th percentile
Delinquency rate
1.05%
26th percentile
Net charge-off rate
0.39%
54th percentile
Loan-to-share
73.26%
33th percentile

Growth

Member growth YoY
-9.05%
3th percentile
Asset growth YoY
7.85%
72th percentile
Loan growth YoY
-5.83%
6th percentile
Share growth YoY
7.50%
75th percentile

Operations

Members / branch
4,379
45th percentile
Assets / member
$14,694
36th percentile
Field of membership penetration
1.02%
16th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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