BlastPoint's Credit Union Scorecard
ATOMIC
Charter #63532 · OH
ATOMIC has 6 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.72% above tier average
- + Strong member growth: 7.7% YoY
- + Total Members: Top 2.6% in tier
- + Member Growth Rate: Top 6.8% in tier
- + Asset Growth Rate: Top 9.4% in tier
- + Deposit Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 4.6% in tier
- - Efficiency Drag: Bottom 38.7% in tier
- - Efficiency ratio 6.06% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 4.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
87,892
+7.7% YoY+1.4% QoQ
|
+36.4K |
51,500
+0.7% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
Top 3.4% in tier |
| Assets |
$847.9M
+13.1% YoY+3.9% QoQ
|
$-17.7M |
$865.6M
+0.9% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$688.7M
+12.2% YoY+1.8% QoQ
|
+$93.5M |
$595.3M
+1.6% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
78% |
| Deposits |
$771.7M
+13.0% YoY+4.0% QoQ
|
+$29.5M |
$742.2M
+0.6% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
68% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-0.6% YoY-23.3% QoQ
|
+0.0% |
0.8%
+45.0% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
56% |
| NIM |
4.2%
-3.7% YoY-2.7% QoQ
|
+0.7% |
3.5%
+6.1% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
Top 9.4% in tier |
| Efficiency Ratio |
81.6%
-2.2% YoY+3.0% QoQ
|
+6.1% |
75.5%
-3.4% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
0.2%
-3.6% YoY+3.5% QoQ
|
-0.4 |
0.7%
-0.1% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
15% |
| Loan To Share |
89.2%
-0.8% YoY-2.1% QoQ
|
+8.6% |
80.6%
+0.7% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$16,616
+4.6% YoY+1.5% QoQ
|
$-12K |
$28,908
+0.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.4% in tier |
| CD Concentration |
36.7%
+9.2% YoY-1.3% QoQ
|
+12.5% | 24.3% | 19.4% | 19.8% | Top 11.3% in tier |
| Indirect Auto % |
24.2%
-11.0% YoY-3.5% QoQ
|
+10.4% | 13.8% | 11.4% | 7.7% | 77% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)