BlastPoint's Credit Union Scorecard
ATOMIC
Charter #63532 · OH
ATOMIC has 9 strengths but faces 7 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
- + Organic Growth Engine: Top 19.7% in tier
- + ROA 0.24% above tier average
- + Net Interest Margin 0.90% above tier average
- + Strong member growth: 7.7% YoY
- + Total Members: Top 1.7% in tier
- + Member Growth Rate: Top 6.0% in tier
- + Total Delinquency Rate (60+ days): Top 6.8% in tier
- + Asset Growth Rate: Top 8.5% in tier
- + Deposit Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 38.6% in tier
- - Liquidity Strain: Bottom 69.2% in tier
- - Credit Risk Growth: Bottom 71.0% in tier
- - Credit Quality Pressure: Bottom 98.6% in tier
- - Efficiency ratio 4.85% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 4.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
86,653
+7.7% YoY+1.7% QoQ
|
+34.6K |
52,084
-1.6% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 2.6% in tier |
| Assets |
$816.4M
+12.9% YoY+4.2% QoQ
|
$-47.5M |
$863.9M
+0.5% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$676.3M
+9.8% YoY+2.3% QoQ
|
+$70.4M |
$605.8M
+1.4% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$742.1M
+12.9% YoY+4.2% QoQ
|
+$4.8M |
$737.3M
+0.1% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
1.0%
+27.8% YoY+6.3% QoQ
|
+0.2% |
0.7%
+39.1% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
67% |
| NIM |
4.3%
+12.6% YoY-0.8% QoQ
|
+0.9% |
3.4%
+8.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 6.0% in tier |
| Efficiency Ratio |
79.2%
-2.7% YoY-1.4% QoQ
|
+4.8% |
74.3%
-3.6% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.2%
+2.0% YoY-3.3% QoQ
|
-0.6 |
0.9%
+3.8% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 6.8% in tier |
| Loan To Share |
91.1%
-2.7% YoY-1.8% QoQ
|
+8.6% |
82.6%
+1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
69% |
| AMR |
$16,369
+3.4% YoY+1.5% QoQ
|
$-13K |
$28,873
+2.7% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.4% in tier |
| CD Concentration |
37.2%
+12.2% YoY+2.8% QoQ
|
+12.8% | 24.4% | 19.4% | 19.8% | Top 10.9% in tier |
| Indirect Auto % |
25.1%
-9.0% YoY-2.4% QoQ
|
+11.3% | 13.8% | 11.2% | 7.8% | 78% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)