Atlantic City Electric Co. Emp
Mays Landing, NJ · Charter 3755 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$62.5MAssets
$22.4MLoans
$55.7MShares
$9.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 65% of credit unions under $1B in assets (rank 593 of 1683).
- Widest gap: nonperforming loans / loans trails 86% of credit unions under $1B in assets (rank 1445 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.62%
Rank 991 of 1,683
Net Interest Margin
3.64%
Rank 998 of 1,683
Efficiency Ratio
78.17%
Rank 840 of 1,682
Equity / Assets
14.58%
Rank 593 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.62% | 0.35% | 0.74% | 1.18% | Beats 41% | 991 / 1,683 | |
| Return on Equity | 4.23% | 2.67% | 5.89% | 8.74% | Beats 37% | 1,061 / 1,681 | |
| Net Interest Margin | 3.64% | 3.31% | 3.82% | 4.32% | Beats 41% | 998 / 1,683 | |
| Efficiency Ratio | 78.17% | 68.91% | 78.20% | 86.93% | Beats 50% | 840 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.98% | 0.26% | 0.65% | 1.29% | Beats 14% | 1,445 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.58% | 10.44% | 12.89% | 16.53% | Beats 65% | 593 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.58% | 10.44% | 12.89% | 16.53% | Beats 65% | 593 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 40.27% | 52.61% | 69.38% | 83.50% | 11th pctl | 1,493 / 1,683 | |
| Loans / Assets | 35.89% | 44.71% | 59.18% | 70.72% | 14th pctl | 1,449 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |