W T N M Atlantic

DENVER CITY, TX · 1 · Charter #7677
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.8M
11th percentile
Members
470
16th percentile
Total loans
$1.2M
16th percentile
Total shares
$1.4M
12th percentile

Profitability

Return on assets
1.52%
79th percentile
Net interest margin
7.22%
99th percentile
Efficiency ratio
61.97%
60th percentile
Non-interest income ratio
1.47%
16th percentile

Capital & Risk

Net worth ratio
24.31%
85th percentile
Delinquency rate
8.60%
3th percentile
Net charge-off rate
1.17%
13th percentile
Loan-to-share
87.41%
85th percentile

Growth

Member growth YoY
2.17%
85th percentile
Asset growth YoY
-12.09%
3th percentile
Loan growth YoY
-18.31%
8th percentile
Share growth YoY
-16.80%
2th percentile

Operations

Members / branch
470
21th percentile
Assets / member
$3,880
10th percentile
Field of membership penetration
11.75%
25th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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