BlastPoint's Credit Union Scorecard
ATOMIC
Charter #63532 · OH
ATOMIC has 6 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
- + Net Interest Margin 0.74% above tier average
- + Strong member growth: 6.9% YoY
- + Total Members: Top 2.7% in tier
- + Total Delinquency Rate (60+ days): Top 8.1% in tier
- + Asset Growth Rate: Top 9.0% in tier
- + Deposit Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 6.5% in tier
- - Credit Risk Growth: Bottom 12.6% in tier
- - Liquidity Strain: Bottom 13.4% in tier
- - Credit Quality Pressure: Bottom 53.0% in tier
- - Efficiency ratio 5.10% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 4.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 5 that size in Ohio.
- Shares and deposits +11.1% year over year ($776M in shares and deposits).
- Membership: 89,256 members, +6.9% vs a year ago.
- Delinquency rate 0.24%.
- Return on assets 0.85%.
- Efficiency ratio 79.63% vs a 74.54% peer average.
- Loan-to-share ratio 92.06% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
89,256
+6.9% YoY+1.6% QoQ
|
+36.8K |
52,482
+1.3% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
Top 3.6% in tier |
| Assets |
$855.4M
+11.3% YoY+0.9% QoQ
|
$-8.5M |
$863.9M
+0.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
46% |
| Loans |
$714.4M
+12.0% YoY+3.7% QoQ
|
+$106.6M |
$607.8M
+2.1% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
80% |
| Deposits |
$776.0M
+11.1% YoY+0.6% QoQ
|
+$36.1M |
$739.9M
+0.2% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
70% |
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| ROA |
0.9%
-5.2% YoY+12.3% QoQ
|
+0.0% |
0.8%
+30.4% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
55% |
| NIM |
4.3%
-1.6% YoY+1.8% QoQ
|
+0.7% |
3.5%
+6.2% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
Top 9.0% in tier |
| Efficiency Ratio |
79.6%
-1.2% YoY-2.4% QoQ
|
+5.1% |
74.5%
-1.4% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
0.2%
+1.6% YoY-3.0% QoQ
|
-0.6 |
0.8%
+1.0% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
Top 8.1% in tier |
| Loan To Share |
92.1%
+0.8% YoY+3.2% QoQ
|
+9.5% |
82.6%
+1.9% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$16,698
+4.3% YoY+0.5% QoQ
|
$-12K |
$28,702
+0.4% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.6% in tier |
| CD Concentration |
36.6%
+3.9% YoY-0.4% QoQ
|
+12.0% | 24.6% | 19.2% | 20.0% | Top 12.2% in tier |
| Indirect Auto % |
23.9%
-9.2% YoY-1.3% QoQ
|
+10.2% | 13.6% | 11.9% | 7.7% | 77% |
Signature Analysis
Strengths (0)
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)