| Metric | Atomic Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.1% | +4.8% | +8.4 pts |
| Share growth (YoY) | +13.0% | +4.3% | +8.7 pts |
| Loan growth (YoY) | +12.2% | +4.3% | +7.9 pts |
| ROA | 0.76% | 0.62% | +0.1 pts |
| ROE | 9.4% | 5.9% | +3.4 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $847.9M | $771.7M | $688.7M | $68.7M | $1.6M | 0.76% | 4.18% | 0.24% | 87,892 |
| Q4 2025 | $816.4M | $742.1M | $676.3M | $67.1M | $7.9M | 0.97% | 4.21% | 0.24% | 86,653 |
| Q3 2025 | $783.5M | $712.3M | $661.2M | $64.6M | $5.4M | 0.92% | 4.29% | 0.24% | 85,202 |
| Q2 2025 | $768.2M | $698.3M | $637.6M | $62.6M | $3.4M | 0.89% | 4.27% | 0.23% | 83,456 |
| Q1 2025 | $749.5M | $682.7M | $613.9M | $60.6M | $1.4M | 0.75% | 4.26% | 0.25% | 81,614 |
| Q4 2024 | $723.4M | $657.3M | $615.7M | $59.2M | $5.6M | 0.78% | 3.83% | 0.23% | 80,439 |
| Q3 2024 | $730.4M | $667.9M | $607.3M | $57.1M | $3.6M | 0.65% | 3.66% | 0.19% | 79,329 |
| Q2 2024 | $687.0M | $614.4M | $592.3M | $55.7M | $2.2M | 0.64% | 3.77% |
| Ratio | Atomic Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.62% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 5.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 77,370 |
Loan mix (Q1 2026): real estate $267.0M · commercial $76.5M · consumer $316.8M · securities $15.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.6% | 78.3% | 65th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Atomic Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Atomic Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Atomic Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Atomic Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.