THE ATLANTIC

Charter #477 | NJ

100M-500M (1077 CUs) Micro
25 100M-500M in NJ

THE ATLANTIC has 5 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 32.3% in tier
  • + Emerging Performer: Top 33.1% in tier
  • + Relationship Depth Leader: Top 35.7% in tier
  • + Net Interest Margin 0.19% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.2% in tier
  • - Membership Headwinds: Bottom 10.9% in tier
  • - Institutional Decline: Bottom 17.7% in tier
  • - Efficiency Drag: Bottom 20.7% in tier
  • - Stagnation Risk: Bottom 21.0% in tier
  • - Liquidity Overhang: Bottom 28.3% in tier
  • - Liquidity Strain: Bottom 32.8% in tier
  • - ROA 0.75% below tier average
  • - Efficiency ratio 8.01% above tier (higher cost structure)
  • - Delinquency rate 2.66% above tier average
  • - Member decline: -3.8% YoY
  • - Total Delinquency Rate (60+ days): Bottom 1.4% in tier
  • - Deposit Growth Rate: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Members 14,925
-3.8% YoY-0.7% QoQ
 -703 15,628
-3.4% YoY
 7,324
+5.9% YoY
 33,089
+6.1% YoY
 57th in tier
Assets $243.3M
-1.8% YoY+0.0% QoQ
 +$12.0M $231.3M
-0.0% YoY
 $116.8M
+7.2% YoY
 $547.7M
+7.8% YoY
 62nd in tier
Loans $190.3M
-2.1% YoY+0.4% QoQ
 +$42.5M $147.8M
-1.4% YoY
 $73.2M
+8.5% YoY
 $388.7M
+8.6% YoY
 73rd in tier
Deposits $209.7M
-2.2% YoY+0.1% QoQ
 +$9.5M $200.3M
-0.0% YoY
 $98.4M
+6.8% YoY
 $464.6M
+9.3% YoY
 61st in tier
ROA 0.0%
-118.3% YoY-86.5% QoQ
 -0.7% 0.8%
+15.5% YoY
 0.5%
+264.7% YoY
 0.7%
+273.4% YoY
 Bottom 8.0% in tier
NIM 3.8%
+11.6% YoY+1.5% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.8%
+6.0% YoY
 3.7%
+5.0% YoY
 61st in tier
Efficiency Ratio 85.3%
-2.0% YoY+4.8% QoQ
 +8.0% 77.3%
-3.0% YoY
 84.8%
-21.5% YoY
 79.1%
-3.3% YoY
 Top 22.4% in tier
Delinquency Rate 3.5%
+154.6% YoY+137.5% QoQ
 +2.7 0.9%
+7.6% YoY
 1.9%
+8.8% YoY
 1.2%
-0.9% YoY
 Top 1.4% in tier
Loan To Share 90.7%
+0.1% YoY+0.4% QoQ
 +18.0% 72.7%
-1.5% YoY
 53.7%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 14.3% in tier
AMR $26,802
+1.7% YoY+0.9% QoQ
 +$2K $24,363
+2.9% YoY
 $15,980
-4.9% YoY
 $19,418
+1.3% YoY
 72nd in tier
CD Concentration 21.8%
+35.2% YoY+7.5% QoQ
 -2.6% 24.4%
+4.2% YoY
 14.2%
+4.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 0.9%
-16.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#890 of 1006 • Top 32.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.70%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Emerging Performer

growth
#621 of 627 • Top 33.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.04%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -3.80%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Relationship Depth Leader

growth
#985 of 1006 • Top 35.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.70%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.7K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (7)

Credit Quality Pressure

risk
#7 of 736 • Bottom 0.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 2.13% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline
#181 of 550 • Bottom 10.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -3.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Institutional Decline

decline
#140 of 256 • Bottom 17.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $243.33M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -3.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.12%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Efficiency Drag

risk
#366 of 521 • Bottom 20.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 85.29%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.25% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -3.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Stagnation Risk

risk
#347 of 550 • Bottom 21.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.04%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -3.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $26.8K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 21.83%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Overhang

risk
#438 of 552 • Bottom 28.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.91%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 90.72%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Liquidity Strain

risk
#255 of 258 • Bottom 32.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 90.72%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -2.12%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
154
Loan-to-Share Ratio
balance_sheet
Value: 90.72%
Peer Avg: 72.70%
#154 of 1077 Top 14.2% in 100M-500M tier
204
Loan-to-Member Ratio (LMR)
engagement
Value: $12,749
Peer Avg: $10,245
#204 of 1077 Top 18.8% in 100M-500M tier
241
Net Worth Ratio
risk
Value: 13.91%
Peer Avg: 12.15%
#241 of 1077 Top 22.3% in 100M-500M tier

Top Weaknesses (8 metrics)

1063
Total Delinquency Rate (60+ days)
risk
Value: 3.51%
Peer Avg: 0.86%
#1063 of 1077 Bottom 1.4% in 100M-500M tier
991
Return on Assets (ROA)
profitability
Value: 0.04%
Peer Avg: 0.79%
#991 of 1077 Bottom 8.1% in 100M-500M tier
982
Deposit Growth Rate
growth
Value: -2.20%
Peer Avg: 4.69%
#982 of 1077 Bottom 8.9% in 100M-500M tier
963
Asset Growth Rate
growth
Value: -1.76%
Peer Avg: 4.70%
#963 of 1077 Bottom 10.7% in 100M-500M tier
922
Member Growth Rate
growth
Value: -3.80%
Peer Avg: 0.72%
#922 of 1077 Bottom 14.5% in 100M-500M tier
920
Net Charge-Off Rate
risk
Value: 0.82%
Peer Avg: 0.47%
#920 of 1077 Bottom 14.7% in 100M-500M tier
837
Efficiency Ratio
profitability
Value: 85.29%
Peer Avg: 77.28%
#837 of 1077 Bottom 22.4% in 100M-500M tier
809
Loan Growth Rate
growth
Value: -2.12%
Peer Avg: 3.45%
#809 of 1077 Bottom 25.0% in 100M-500M tier