THE ATLANTIC
Charter #477 · Kenilworth, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 14,720 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 13.47% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.47% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.36% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.05% sits at the 98th percentile of structural peers — worth a closer look.
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 | THE ATLANTIC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $235.96M | 60th pct | 57th pct |
| Members | 14,720 | 58th pct | 77th pct |
| Net worth ratio | 13.47% | 74th pct | 82th pct |
| Return on average assets | -0.47% | 3th pct | 3th pct |
| Net interest margin | 3.79% | 58th pct | 72th pct |
| Cost of funds | 1.99% | 88th pct | 64th pct |
| Loan-to-share | 91.12% | 90th pct | 66th pct |
| Delinquency 60+ days | 3.36% | 99th pct | 95th pct |
| Net charge-off ratio | 1.05% | 89th pct | 98th pct |
| Loan growth YoY | -2.25% | 23th pct | 16th pct |
| Share growth YoY | -2.68% | 2th pct | 2th pct |
| Efficiency ratio | 88.33% | 81th pct | 64th pct |
structural peer set hash: 89f8390e27c153bdfde5200bce1273d9… (reproducible)
Closest structural peers
This is the free public view
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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.