ATLANTIC CITY ELECTRIC CO EMP
Charter #3755 · MAYS LANDING, NJ · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.36% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.67% sits at the 97th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 28th — a 23-point gap showing why the peer definition matters.
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 | ATLANTIC CITY ELECTRIC CO EMP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $64.67M | 36th pct | 56th pct |
| Members | 3,894 | 25th pct | 41th pct |
| Net worth ratio | 13.97% | 62th pct | 64th pct |
| Return on average assets | 0.72% | 51th pct | 28th pct |
| Net interest margin | 3.58% | 43th pct | 52th pct |
| Cost of funds | 0.36% | 16th pct | 20th pct |
| Loan-to-share | 37.29% | 11th pct | 28th pct |
| Delinquency 60+ days | 2.67% | 97th pct | 97th pct |
| Net charge-off ratio | 0.26% | 52th pct | 51th pct |
| Loan growth YoY | -2.24% | 42th pct | 46th pct |
| Share growth YoY | 5.14% | 75th pct | 69th pct |
| Efficiency ratio | 77.01% | 43th pct | 61th pct |
structural peer set hash: 763d81a4e27f21d8f364a8479dd8af64… (reproducible)
Closest structural peers
This is the free public view
Claim ATLANTIC CITY ELECTRIC CO EMP
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.