credit union · NCUA 3541 · NJ
How big is BAY ATLANTIC?
BAY ATLANTIC (NJ, NCUA charter 3541) reported total assets of $97.1M, 9,261 members and a net worth ratio of 8.92% in its Call Report for 2026Q2. That ranks 1846 of 4,299 federally insured credit unions by assets, 26 of 573 among credit unions with $50m-$100m in assets, 31 of 126 credit unions in new jersey.
What stands out
BAY ATLANTIC (NJ, NCUA charter 3541) reported total assets of $97.1M, 9,261 members and a net worth ratio of 8.92% in its Call Report for 2026Q2. That ranks 1846 of 4,299 federally insured credit unions by assets, 26 of 573 among credit unions with $50m-$100m in assets, 31 of 126 credit unions in new jersey. Against its size class: net worth ratio 8.92%, below the peer median of 12.95%; loan-to-share ratio 54.47%, below the peer median of 60.93%; return on assets 0.33%, below the peer median of 0.73%. At 8.92% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $97.1M | $72.1M | $21.8M | $68.3M | record → |
| Shares and deposits | $87.7M | $61.4M | $18.8M | $58.3M | record → |
| Loans outstanding | $47.8M | $37.6M | $7.5M | $34.4M | record → |
| Net income (year to date) | $159.8k | $269.0k | $34.4k | $222.2k | record → |
| Net worth | $8.7M | $9.2M | $3.2M | $9.0M | record → |
| Net worth ratio | 8.92% | 12.95% | 13.81% | 12.65% | record → |
| Loan-to-share ratio | 54.47% | 60.93% | 50.89% | 68.70% | computed |
| Return on assets | 0.33% | 0.73% | 0.39% | 0.71% | computed |
| Members | 9,261 | 5,030 | 1,796 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $97.1M | $87.7M | $47.8M | $159.8k | 8.92% | 9,261 | 1846 |
| 2026Q1 | $95.5M | $86.4M | $44.1M | $61.3k | 8.96% | 9,139 | 1861 |
| 2025Q4 | $94.7M | $84.9M | $42.8M | $697.8k | 8.97% | 9,205 | 1868 |
| 2025Q3 | $92.1M | $83.3M | $41.5M | $655.7k | 9.18% | 9,235 | 1898 |
| 2025Q2 | $92.6M | $83.8M | $41.0M | $441.8k | 8.90% | 9,273 | 1894 |
| 2025Q1 | $92.2M | $83.7M | $40.8M | $172.3k | 8.65% | 9,255 | 1908 |
| 2024Q4 | $87.1M | $78.9M | $40.8M | $434.8k | 8.95% | 9,178 | 1942 |
| 2024Q3 | $90.5M | $79.8M | $41.5M | $266.5k | 8.43% | 9,211 | 1914 |
| 2024Q2 | $91.0M | $80.4M | $41.6M | $135.9k | 8.20% | 9,218 | 1915 |
| 2024Q1 | $92.8M | $80.0M | $39.2M | $34.0k | 7.93% | 9,292 | 1906 |
| 2023Q4 | $83.4M | $75.7M | $39.9M | $404.4k | 8.79% | 9,290 | 1991 |
| 2023Q3 | $84.2M | $77.2M | $40.1M | $269.5k | 8.55% | 9,252 | 1983 |
| 2023Q2 | $87.6M | $81.3M | $40.0M | $182.7k | 8.14% | 9,243 | 1956 |
| 2023Q1 | $88.1M | $81.8M | $38.9M | $95.5k | 7.99% | 9,176 | 1966 |
| 2022Q4 | $85.8M | $79.6M | $39.0M | $616.6k | 8.09% | 9,093 | 1988 |
| 2022Q3 | $87.5M | $81.6M | $36.4M | $563.9k | 7.87% | 9,120 | 1984 |
| 2022Q2 | $86.9M | $81.1M | $34.1M | $52.6k | 7.34% | 9,083 | 1991 |
| 2022Q1 | $86.6M | $80.5M | $29.6M | $48.9k | 7.35% | 9,023 | 1996 |
| 2021Q4 | $83.7M | $76.7M | $29.6M | $500.7k | 7.55% | 9,008 | 2006 |
| 2021Q3 | $81.9M | $75.0M | $26.1M | $586.2k | 7.76% | 8,962 | 2022 |
| 2021Q2 | $81.3M | $74.7M | $26.5M | $282.9k | 7.42% | 8,951 | 2020 |
| 2021Q1 | $82.7M | $75.7M | $27.1M | $48.2k | 7.12% | 8,918 | 1999 |
| 2020Q4 | $73.5M | $66.5M | $28.5M | $537.9k | 7.85% | 8,796 | 2072 |
| 2020Q3 | $70.6M | $64.4M | $29.0M | $425.2k | 8.01% | 8,839 | 2088 |
| 2020Q2 | $71.7M | $65.5M | $28.9M | $247.0k | 7.64% | 8,759 | 2062 |
| 2020Q1 | $63.8M | $57.9M | $28.7M | $159.0k | 8.45% | 8,709 | 2112 |
| 2019Q4 | $60.3M | $54.6M | $29.2M | $498.0k | 8.67% | 8,635 | 2144 |
| 2019Q3 | $60.0M | $54.3M | $29.0M | $373.5k | 8.51% | 8,572 | 2148 |
| 2019Q2 | $61.6M | $55.5M | $29.0M | $309.9k | 8.19% | 8,559 | 2127 |
| 2019Q1 | $62.2M | $56.3M | $28.6M | $119.3k | 7.80% | 8,494 | 2120 |
| 2018Q4 | $59.1M | $53.9M | $29.3M | $318.1k | 8.01% | 8,509 | 2146 |
| 2018Q3 | $59.4M | $53.8M | $28.5M | $306.0k | 7.95% | 8,415 | 2153 |
| 2018Q2 | $61.3M | $56.0M | $28.4M | $192.6k | 7.51% | 8,305 | 2122 |
| 2018Q1 | $60.9M | $55.6M | $28.7M | $62.5k | 7.35% | 8,209 | 2137 |
| 2017Q4 | $55.5M | $50.1M | $29.1M | $58.7k | 7.96% | 8,189 | 2214 |
| 2017Q3 | $56.2M | $51.2M | $28.1M | $3.4k | 7.75% | 8,109 | 2206 |
| 2017Q2 | $57.7M | $52.9M | $28.1M | $-65.8k | 7.43% | 8,158 | 2187 |
| 2017Q1 | $58.8M | $53.8M | $27.6M | $52.9k | 7.49% | 8,108 | 2171 |
| 2016Q4 | $54.9M | $49.7M | $27.9M | $130.5k | 7.93% | 7,994 | 2216 |
| 2016Q3 | $55.1M | $50.3M | $28.3M | $88.6k | 7.83% | 7,934 | 2216 |
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