Bay Atlantic
Bay Atlantic is a credit union based in Vineland, New Jersey, established in 1939, with $96 million in total assets serving 9,139 members. By Trust Grade it ranks 100th of 127 credit unions we track in New Jersey. Its net worth ratio of 9.0% trails most similarly sized credit unions (10th percentile), versus a New Jersey median of 13.9%. It was profitable over the most recent period, with a 0.26% return on assets. No consumer complaints against Bay Atlantic appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Bay Atlantic compares to New Jersey peers
How we graded Bay Atlantic
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.0% capital ratio)
- Profitable (ROA 0.26%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Bay Atlantic over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Bay Atlantic insured?
Yes. Bay Atlantic is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Bay Atlantic: frequently asked questions
Is Bay Atlantic a good credit union?
Bay Atlantic earns a Bankzia Trust Grade of B (81/100, "Strong"), based on a financial-strength score of 81/100 (it has no CFPB complaints on record). Well-capitalized (9.0% capital ratio); Profitable (ROA 0.26%).
Is Bay Atlantic NCUA-insured?
Yes. Bay Atlantic is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Bay Atlantic?
Bay Atlantic holds $96 million in total assets, ranking 100th of 127 credit unions we track in New Jersey. It serves 9,139 members.
Does Bay Atlantic have CFPB complaints?
No CFPB complaints against Bay Atlantic appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
