Mercer County Nj Teachers vs First Atlantic
Comparing a Credit Union in Hamilton Square, NJ with a Credit Union in Eatontown, NJ using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Mercer County Nj Teachers ↗ Credit Union · Hamilton Square, NJ · Est. 1936 | First Atlantic ↗ Credit Union · Eatontown, NJ · Est. 1935 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Hamilton Square, NJ | Eatontown, NJ |
| Total assets | $50.7M | $331.8M |
| Net worth ratio | 14.6% | 13.4% |
| Return on assets | 1.9% | 1.6% |
| Shares & deposits | — | — |
| Members | 3,703 | 20,017 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 127 | #1 of 127 |
| Established | 1936 | 1935 |
Mercer County Nj Teachers
- Assets: $50.7M
- Members: 3,703
- Capital ratio: 14.6%
- Return on assets: 1.9%
- CFPB complaints: 0
- State rank: #2 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. Mercer County Nj Teachers 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, Mercer County Nj Teachers or First Atlantic?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Mercer County Nj Teachers 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 Mercer County Nj Teachers safe?
Yes — Mercer County Nj Teachers 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 Mercer County Nj Teachers vs First Atlantic?
Mercer County Nj Teachers 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 Mercer County Nj Teachers have compared to First Atlantic?
The CFPB database shows 0 complaints against Mercer County Nj Teachers, 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 Mercer County Nj Teachers 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.
