Eatontown, New Jersey · Peer group 5
First Atlantic Credit Union
First Atlantic Credit Union holds $331.8M in assets across 20,017 members as of Q1 2026 — about $17K of assets per member, on a charter dating to 1935. Charter number 82, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $331.8M |
|---|---|
| Total loans | $197.7M |
| Total shares (deposits) | $282.4M |
| Net worth | $44.3M |
| Members | 20,017 |
| Assets per member | $17K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 8.1% | |
|---|---|---|
| Loans | -4.3% | around the 13th percentile of its peer group |
| Deposits | 8.0% | around the 85th percentile of its peer group |
| Members | -15.3% | lower than 99% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 70.0% | around the 46th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.4% | around the 73rd percentile of its peer group |
| Return on assets | 1.61% | higher than 91% of its peer group |
| Delinquency ratio | 0.98% | around the 75th percentile of its peer group |
| Cash / assets | 20.8% | higher than 93% of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is First Atlantic Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New Jersey — the comparison set a peer ratio is measured against.
- United Teletech Financial Credit Union
TINTON FALLS, NJ
$329.8M · 17,702 members
- Edifi Credit Union
Rancocas, NJ
$258.7M · 25,426 members
- North Jersey Credit Union
Totowa, NJ
$256.7M · 27,820 members
- Greater Alliance Credit Union
Paramus, NJ
$251.3M · 21,559 members
- Jersey Shore Credit Union
Northfield, NJ
$247.1M · 16,123 members
- The Atlantic Credit Union
Kenilworth, NJ
$236.0M · 14,720 members
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