First Atlantic vs Central Jersey Police & Fire
Comparing a Credit Union in Eatontown, NJ with a Credit Union in Hamilton, NJ using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| First Atlantic ↗ Credit Union · Eatontown, NJ · Est. 1935 | Central Jersey Police & Fire ↗ Credit Union · Hamilton, NJ · Est. 1939 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Eatontown, NJ | Hamilton, NJ |
| Total assets | $331.8M | $50.2M |
| Net worth ratio | 13.4% | 14.6% |
| Return on assets | 1.6% | 2.0% |
| Shares & deposits | — | — |
| Members | 20,017 | 2,937 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 127 | #5 of 127 |
| Established | 1935 | 1939 |
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
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
Are both institutions federally insured?
Yes. First Atlantic is NCUA-insured and Central Jersey Police & Fire 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, First Atlantic or Central Jersey Police & Fire?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — First Atlantic 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 First Atlantic safe?
Yes — First Atlantic 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 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. Its Trust Grade is A (98/100).
What is the capital ratio of First Atlantic vs Central Jersey Police & Fire?
First Atlantic has a net worth ratio of 13.4%, placing it in the top 25% of $100M–1B peers. Central Jersey Police & Fire's ratio is 14.6%, placing it in the top 48% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does First Atlantic have compared to Central Jersey Police & Fire?
The CFPB database shows 0 complaints against First Atlantic, and 0 complaints against Central Jersey Police & Fire. 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 First Atlantic 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.
