FIRST ATLANTIC
Charter #82 · EATONTOWN, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.64% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 60.74% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 57th — a 21-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 | FIRST ATLANTIC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $331.82M | 78th pct | 57th pct |
| Members | 20,017 | 77th pct | 66th pct |
| Net worth ratio | 13.36% | 73th pct | 74th pct |
| Return on average assets | 1.64% | 92th pct | 92th pct |
| Net interest margin | 3.61% | 47th pct | 48th pct |
| Cost of funds | 1.32% | 56th pct | 62th pct |
| Loan-to-share | 70.02% | 46th pct | 44th pct |
| Delinquency 60+ days | 0.98% | 75th pct | 70th pct |
| Net charge-off ratio | 0.26% | 39th pct | 49th pct |
| Loan growth YoY | -0.39% | 43th pct | 31th pct |
| Share growth YoY | 6.88% | 86th pct | 79th pct |
| Efficiency ratio | 60.74% | 9th pct | 8th pct |
structural peer set hash: ab68cbba391b71da6c5d46f98d4e99c7… (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.