BAY ATLANTIC
Federal • VINELAND, New Jersey • Est. 1939
Quick Facts
- Charter Number
- #3541
- Type
- Federal
- Established
- 1939
- Headquarters
- VINELAND, New Jersey 08360
- Address
- 101 W ELMER ROAD
- Branches
- 3
- ATMs
- 2
- Members
- 9,205
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
9,205 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | BAY ATLANTIC |
|---|---|
| Total Assets | $94.7M |
| Members | 9,205 |
| Loans Outstanding | $42.8M |
| Shares & Deposits | $84.9M |
| Net Worth | $8.5M |
| Net Worth Ratio | 8.97% |
| Loan-to-Share Ratio | 50.4% |
| Delinquency Rate | 0.10% |
| Net Income | +$816,089 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View New Jersey RankingsFrequently Asked Questions
Yes. BAY ATLANTIC is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, BAY ATLANTIC has 9,205 members and a potential membership field of 12,243 people.
BAY ATLANTIC's net worth ratio is 8.97% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.0%, BAY ATLANTIC meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or BAY ATLANTIC. All financial data is for informational purposes only.