Sep, 30, 2025 — BAY ATLANTIC FEDERAL CREDIT UNION is a federal credit union headquartered in VINELAND, NJ with 2 branch locations and about $92.05 million in total assets. Opened 87 years ago in 1939, BAY ATLANTIC FEDERAL CREDIT UNION has about 9,235 members and employs 32 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | BAY ATLANTIC FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 101 W Elmer Rd VINELAND, NJ 08360-6312 |
| Phone: | (856) 696-2525 |
| Fax: | (856) 691-5593 |
| Website: | https://www.bayatlanticfcu.org |
| Branches: | 2 branch locations |
| Members: | 9,235 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 3541 |
|---|---|
| Membership Type: | Multiple common bond - Primarily other manufacturing |
| Corporate Credit Union: | No |
| Year Opened: | 1939 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $92,053,798 |
| CEO/Manager: | Gail R Marino |
| Chairperson: | David P Schad |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,156,789 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 15,941,740 |
| Unsecured Loans | 9,004,810 |
| Other Loans | 16,591,449 |
| TOTAL LOANS | 41,537,997 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -403,401 |
| Land And Building | 758,819 |
| Other Fixed Assets | 458,634 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 774,196 |
| All Other Assets | 0 |
| TOTAL ASSETS | 92,053,798 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 87,230 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 20,675,926 |
| Regular shares | 52,628,517 |
| All Other Shares & Deposits | 10,020,166 |
| TOTAL SHARES & DEPOSITS | 83,324,611 |
| TOTAL LIABILITIES | 83,412,464 |
| Regular Reserve | 0 |
| Other Reserves | 189,160 |
| Undivided Earnings | 8,452,174 |
| TOTAL EQUITY | 8,641,334 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 92,053,798 |
| INCOME & EXPENSE | |
| Loan Income | 1,740,485 |
| Investment Income | 1,291,089 |
| Other Income | 958,952 |
| Total Employee Compensation & Benefits | 1,297,266 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,851,397 |
| Non-operating Income & (Expense) | 53,201 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 67,509 |
| Cost of Funds | 220,114 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 655,661 |
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