BAY ATLANTIC
Charter #3541 · VINELAND, NJ · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 9,139 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.96% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 0.26% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.16% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.35% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BAY ATLANTIC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $95.54M | 94th pct | 69th pct |
| Members | 9,139 | 93th pct | 80th pct |
| Net worth ratio | 8.96% | 10th pct | 11th pct |
| Return on average assets | 0.26% | 25th pct | 23th pct |
| Net interest margin | 4.16% | 75th pct | 89th pct |
| Cost of funds | 0.35% | 16th pct | 18th pct |
| Loan-to-share | 51.02% | 32th pct | 28th pct |
| Delinquency 60+ days | 0.28% | 27th pct | 23th pct |
| Net charge-off ratio | 0.39% | 64th pct | 70th pct |
| Loan growth YoY | 6.11% | 94th pct | 92th pct |
| Share growth YoY | 3.68% | 61th pct | 69th pct |
| Efficiency ratio | 91.61% | 84th pct | 75th pct |
structural peer set hash: 7a6d29e8eec61c1f06afbf8bc9ba7ffe… (reproducible)
Closest structural peers
This is the free public view
Claim BAY ATLANTIC
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.