Atomic

Piketon, OH · 2 · Charter #63532 · www.atomiccu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$816.4M
88th percentile
Members
86,653
99th percentile
Total loans
$676.3M
95th percentile
Total shares
$729.8M
92th percentile

Profitability

Return on assets
1.30%
72th percentile
Net interest margin
4.21%
88th percentile
Efficiency ratio
63.25%
32th percentile
Non-interest income ratio
26.10%
84th percentile

Capital & Risk

Net worth ratio
8.22%
7th percentile
Delinquency rate
0.24%
91th percentile
Net charge-off rate
0.36%
56th percentile
Loan-to-share
92.66%
80th percentile

Growth

Member growth YoY
7.73%
95th percentile
Asset growth YoY
12.86%
94th percentile
Loan growth YoY
9.84%
80th percentile
Share growth YoY
13.72%
96th percentile

Operations

Members / branch
4,814
54th percentile
Assets / member
$9,422
2th percentile
Field of membership penetration
66.66%
97th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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