BAY ATLANTIC
Federal • Vineland, New Jersey • Est. 1939
Quick Facts
- Charter Number
- #3541
- Type
- Federal
- Established
- 1939
- Headquarters
- Vineland, New Jersey 08360-6312
- Address
- 101 W Elmer Rd
- Branches
- 3
- ATMs
- 2
- Members
- 9,139
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
9,139 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | BAY ATLANTIC |
|---|---|
| Total Assets | $95.5M |
| Members | 9,139 |
| Loans Outstanding | $44.1M |
| Shares & Deposits | $86.4M |
| Net Worth | $8.6M |
| Net Worth Ratio | 8.96% |
| Loan-to-Share Ratio | 51.0% |
| Delinquency Rate | 0.28% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
3 locations · 2 ATMs
Elmer
Main Office101 W Elmer Rd
Vineland, NJ 08360-6312
Members 1st of NJ Federal Credit Union
37 W Landis Ave
Vineland, NJ 08360
BAFCU Loan Center
1940 S West Blvd Bldg 101A
Vineland, NJ 08360-7024
Who Can Join BAY ATLANTIC?
Membership Type: Community
Membership eligibility for BAY ATLANTIC may vary. Contact the credit union directly to confirm qualification requirements.
Contact BAY ATLANTIC directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in New Jersey
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New Jersey RankingsFrequently Asked Questions
BAY ATLANTIC is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, BAY ATLANTIC has 9,139 members and a potential membership field of 12,155 people.
BAY ATLANTIC's reported net worth ratio is 8.96% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
BAY ATLANTIC operates 3 branch locations and has access to 2 ATMs. The main office is located at 101 W Elmer Rd, Vineland, NJ 08360-6312.
BAY ATLANTIC was established in 1939. It is a federal credit union chartered under charter number 3541. The institution has been serving members for 87 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or BAY ATLANTIC. All financial data is for informational purposes only.