ATOMIC
Charter #63532 · Piketon, OH · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 87,892 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.55% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 4.26% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.24% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 43rd — a 35-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ATOMIC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $847.91M | 77th pct | 43th pct |
| Members | 87,892 | 99th pct | 77th pct |
| Net worth ratio | 8.55% | 12th pct | 5th pct |
| Return on average assets | 0.77% | 60th pct | 66th pct |
| Net interest margin | 4.26% | 91th pct | 90th pct |
| Cost of funds | 1.79% | 72th pct | 52th pct |
| Loan-to-share | 89.25% | 76th pct | 54th pct |
| Delinquency 60+ days | 0.24% | 15th pct | 7th pct |
| Net charge-off ratio | 0.38% | 46th pct | 36th pct |
| Loan growth YoY | 4.16% | 85th pct | 65th pct |
| Share growth YoY | 8.34% | 93th pct | 85th pct |
| Efficiency ratio | 81.59% | 65th pct | 66th pct |
structural peer set hash: e4027f2f9b835fc1a0a76c4ed2105f45… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.