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FIXnotes

THE ATLANTIC

CU

Kenilworth, NJ

Total Assets
$236M
Total Loans
$186M
THE ATLANTIC in NJ reported a -11.1pp improvement in its Texas ratio to 19.7% in Q1 2026. Nonperforming assets declined -1.95pp to 3.36% of total loans.

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
1-4 family — 1st lien$45M24.3%
1-4 family — junior lien$22M11.9%
Multifamily$20M10.8%
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20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

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Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

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Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

New Jersey mortgage-note market & lender distress →