Bay Atlantic Federal Credit Union
Total assets
$95.5M
▲ +3.7% YoY
Shares & deposits
$86.4M
▲ +3.2% YoY
Loans
$44.1M
▲ +7.9% YoY
Members
9,139
▼ -1.3% YoY
ROA (annualized)
0.26%
peers 0.60%
ROE (annualized)
2.87%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.4 pts |
| Share growth (YoY) | +3.2% | +0.7% | +2.5 pts |
| Loan growth (YoY) | +7.9% | -2.4% | +10.3 pts |
| ROA | 0.26% | 0.60% | -0.3 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
Profile
- Established
- 1939
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 101 W Elmer Road, Vineland, NJ, 08360
- NCUA charter #
- 3541
- RSSD ID
- 677073
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $95.5M | $86.4M | $44.1M | $8.6M | $61K | 0.26% | 4.14% | 0.28% | 9,139 |
| Q4 2025 | $94.7M | $84.9M | $42.8M | $8.5M | $698K | 0.74% | 4.00% | 0.10% | 9,205 |
| Q3 2025 | $92.1M | $83.3M | $41.5M | $8.5M | $656K | 0.95% | 4.07% | 0.37% | 9,235 |
| Q2 2025 | $92.6M | $83.8M | $41.0M | $8.2M | $442K | 0.95% | 3.99% | 0.23% | 9,273 |
| Q1 2025 | $92.2M | $83.7M | $40.8M | $8.0M | $172K | 0.75% | 3.84% | 0.22% | 9,255 |
| Q4 2024 | $87.1M | $78.9M | $40.8M | $7.8M | $435K | 0.50% | 3.67% | 0.14% | 9,178 |
| Q3 2024 | $90.5M | $79.8M | $41.5M | $7.6M | $266K | 0.39% | 3.44% | 0.21% | 9,211 |
| Q2 2024 | $91.0M | $80.4M | $41.6M | $7.5M | $136K | 0.30% | 3.31% | 0.12% | 9,218 |
Loan mix (Q1 2026): real estate $11.6M · commercial $9.3M · consumer $15.0M · securities $43.8M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.83% | 64th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.6% | 81.5% | 72th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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