Central Jersey Police & Fire vs First Atlantic
Comparing a Credit Union in Hamilton, NJ with a Credit Union in Eatontown, NJ using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Central Jersey Police & Fire ↗ Credit Union · Hamilton, NJ · Est. 1939 | First Atlantic ↗ Credit Union · Eatontown, NJ · Est. 1935 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Hamilton, NJ | Eatontown, NJ |
| Total assets | $50.2M | $331.8M |
| Net worth ratio | 14.6% | 13.4% |
| Return on assets | 2.0% | 1.6% |
| Shares & deposits | — | — |
| Members | 2,937 | 20,017 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 127 | #1 of 127 |
| Established | 1939 | 1935 |
Central Jersey Police & Fire
- Assets: $50.2M
- Members: 2,937
- Capital ratio: 14.6%
- Return on assets: 2.0%
- CFPB complaints: 0
- State rank: #5 of 127
First Atlantic
- Assets: $331.8M
- Members: 20,017
- Capital ratio: 13.4%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #1 of 127
Are both institutions federally insured?
Yes. Central Jersey Police & Fire is NCUA-insured and First Atlantic is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Central Jersey Police & Fire or First Atlantic?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Central Jersey Police & Fire scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Central Jersey Police & Fire safe?
Yes — Central Jersey Police & Fire is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is First Atlantic safe?
Yes — First Atlantic is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Central Jersey Police & Fire vs First Atlantic?
Central Jersey Police & Fire has a net worth ratio of 14.6%, placing it in the top 48% of <$100M peers. First Atlantic's ratio is 13.4%, placing it in the top 25% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Central Jersey Police & Fire have compared to First Atlantic?
The CFPB database shows 0 complaints against Central Jersey Police & Fire, and 0 complaints against First Atlantic. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Central Jersey Police & Fire with other Credit Unions in New Jersey
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
