BlastPoint's Credit Union Scorecard
ATOMIC
Charter #63532 · OH
ATOMIC has 8 strengths but faces 8 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 8.6% in tier
- + Credit Quality Leader: Top 55.2% 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
- - Credit Risk Growth: 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
|
19% |
| 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
|
63% |
| 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
|
43% |
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| 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
|
68% |
| 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
|
67% |
| 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
|
72% |
| 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%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
78% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
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)