Charter 82 · Eatontown, NJ
First Atlantic Federal Credit Union
First Atlantic Federal Credit Union is a federally chartered credit union in Eatontown, New Jersey, with $332 million in assets and 18,512 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.81%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as First Atlantic Federal Credit Un, First Atlantic FCU.
- Total assets
- $332 million
- +7.5% in a year
- Members
- 18,512
- -21.7% in a year
- Net worth ratio
- 13.81%
- Peer median 11.65%
- Loans 60+ days late
- 0.79%
- Peer median 0.70%
- Loans outstanding
- $198 million
- -3.5% in a year
- Shares and deposits
- $280 million
- +6.6% in a year
- Branches
- 5
- 47 employees
- Opened
- 1935
- Federal charter
How First Atlantic Federal Credit Union compares
NCUA groups credit unions by size; First Atlantic Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 13.81% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.79%, is higher than the group median of 0.70%. Loans fell 3.5% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 9 of 126 credit unions headquartered in New Jersey. See all New Jersey credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $332 million | 18,512 | $198 million | 13.81% | 0.79% |
| Q1 2026 | $332 million | 20,017 | $198 million | 13.36% | 0.98% |
| Q4 2025 | $322 million | 21,897 | $200 million | 13.36% | 1.05% |
| Q3 2025 | $311 million | 22,876 | $198 million | 13.45% | 0.96% |
| Q2 2025 | $309 million | 23,636 | $205 million | 13.09% | 1.21% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 2.2 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for First Atlantic Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- EATONTOWN
468 Industrial Way W, Eatontown, NJ 07724 - CORP HEADQUARTERS (main office)
468 Industrial Way W, Eatontown, NJ 07724 - OceanPort
495 Oceanport Ave, Oceanport, NJ 07757 - Toms River - Rte 9
1580 Lakewood Road, Toms River, NJ 08754
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology