Bay Atlantic
Vineland, NJ · Charter 3541 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$97.1MAssets
$47.8MLoans
$87.7MShares
$8.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 78% of credit unions under $1B in assets (rank 369 of 1682).
- Widest gap: equity / assets trails 90% of credit unions under $1B in assets (rank 1514 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.33%
Rank 1,289 of 1,683
Net Interest Margin
4.15%
Rank 558 of 1,683
Efficiency Ratio
89.17%
Rank 1,356 of 1,682
Equity / Assets
8.92%
Rank 1,514 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.33% | 0.35% | 0.74% | 1.18% | Beats 23% | 1,289 / 1,683 | |
| Return on Equity | 3.70% | 2.67% | 5.89% | 8.74% | Beats 33% | 1,129 / 1,681 | |
| Net Interest Margin | 4.15% | 3.31% | 3.82% | 4.32% | Beats 67% | 558 / 1,683 | |
| Efficiency Ratio | 89.17% | 68.91% | 78.20% | 86.93% | Beats 19% | 1,356 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.26% | 0.65% | 1.29% | Beats 78% | 369 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.92% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,514 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.92% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,514 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 54.47% | 52.61% | 69.38% | 83.50% | 27th pctl | 1,224 / 1,683 | |
| Loans / Assets | 49.24% | 44.71% | 59.18% | 70.72% | 32nd pctl | 1,142 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |