ATOMIC

Charter #63532 | OH

750M-1B (112 CUs) Community (281 CUs)
5 750M-1B in OH

ATOMIC has 7 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 8.6% in tier
  • + ROA 0.22% above tier average
  • + Net Interest Margin 0.95% above tier average
  • + Strong member growth: 7.4% YoY
  • + Total Members: Top 2.7% in tier
  • + Member Growth Rate: Top 6.2% in tier
  • + Total Delinquency Rate (60+ days): Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 17.6% in tier
  • - Indirect Auto Dependency: Bottom 17.6% in tier
  • - Growth-at-Risk: Bottom 18.5% in tier
  • - Credit Quality Pressure: Bottom 23.8% in tier
  • - Efficiency Drag: Bottom 29.0% in tier
  • - Efficiency ratio 5.79% above tier (higher cost structure)
  • - Average Member Relationship (AMR): Bottom 3.6% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 85,202
+7.4% YoY+2.1% QoQ
 +33.1K 52,114
-2.1% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 Top 3.6% in tier
Assets $783.5M
+7.3% YoY+2.0% QoQ
 $-75.5M $859.0M
+0.0% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 Bottom 18.8% in tier
Loans $661.2M
+8.9% YoY+3.7% QoQ
 +$57.9M $603.4M
+1.0% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 63rd in tier
Deposits $712.3M
+6.7% YoY+2.0% QoQ
 $-21.8M $734.2M
+0.9% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 43rd in tier
ROA 0.9%
+39.2% YoY+3.5% QoQ
 +0.2% 0.7%
+27.6% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 68th in tier
NIM 4.3%
+14.7% YoY+0.2% QoQ
 +1.0% 3.4%
+9.6% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 Top 5.4% in tier
Efficiency Ratio 80.3%
-3.6% YoY-0.3% QoQ
 +5.8% 74.5%
-3.2% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 67th in tier
Delinquency Rate 0.2%
+28.0% YoY+4.6% QoQ
 -0.6 0.8%
+5.0% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 Bottom 9.8% in tier
Loan To Share 92.8%
+2.1% YoY+1.7% QoQ
 +10.2% 82.7%
+0.1% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 72nd in tier
AMR $16,121
+0.3% YoY+0.7% QoQ
 $-13K $28,651
+2.5% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 Bottom 2.7% in tier
CD Concentration 36.2%
-2.5% YoY+2.8% QoQ
 +11.8% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 Top 13.5% in tier
Indirect Auto % 25.7%
-9.5% YoY-2.3% QoQ
 +11.7% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 Top 21.8% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#158 of 603 • Top 8.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.40%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.93%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 25.69%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (5)

Liquidity Strain

risk
#137 of 258 • Bottom 17.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 92.83%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 8.88%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#284 of 525 • Bottom 17.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 7.27%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 25.69%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 7.40%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Growth-at-Risk

risk
#278 of 446 • Bottom 18.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 8.88%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.05% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#589 of 736 • Bottom 23.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.05% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Efficiency Drag

risk
#512 of 521 • Bottom 29.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.31%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.26% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 7.40%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

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)

Comparing against 112 peers in tier

Top Strengths (4 metrics)

4
Total Members
engagement
Value: 85,202
Peer Avg: 52,114
#4 of 112 Top 2.7% in 750M-1B tier
6
Net Interest Margin (NIM)
profitability
Value: 4.33%
Peer Avg: 3.38%
#6 of 112 Top 4.5% in 750M-1B tier
8
Member Growth Rate
growth
Value: 7.40%
Peer Avg: 1.14%
#8 of 112 Top 6.2% in 750M-1B tier
12
Total Delinquency Rate (60+ days)
risk
Value: 0.24%
Peer Avg: 0.82%
#12 of 112 Top 9.8% in 750M-1B tier

Top Weaknesses (7 metrics)

109
Average Member Relationship (AMR)
engagement
Value: $16,121
Peer Avg: $28,651
#109 of 112 Bottom 3.6% in 750M-1B tier
105
Loan-to-Member Ratio (LMR)
engagement
Value: $7,761
Peer Avg: $12,810
#105 of 112 Bottom 7.1% in 750M-1B tier
97
Net Worth Ratio
risk
Value: 8.55%
Peer Avg: 11.52%
#97 of 112 Bottom 14.3% in 750M-1B tier
91
Share Certificate Concentration (%)
balance_sheet
Value: 36.19%
Peer Avg: 28.34%
#91 of 112 Bottom 19.6% in 750M-1B tier
91
Total Assets
balance_sheet
Value: $783.55M
Peer Avg: $859.01M
#91 of 112 Bottom 19.6% in 750M-1B tier
86
AMR Growth Rate
growth
Value: 0.29%
Peer Avg: 4.90%
#86 of 112 Bottom 24.1% in 750M-1B tier
85
Indirect Auto Concentration (%)
balance_sheet
Value: 25.69%
Peer Avg: 16.60%
#85 of 112 Bottom 25.0% in 750M-1B tier