W T N M ATLANTIC
Charter #7677 · DENVER CITY, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 469 sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 6.61% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 8.82% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.78% sits at the 82nd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 54th — a 19-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 | W T N M ATLANTIC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.86M | 28th pct | 18th pct |
| Members | 469 | 40th pct | 25th pct |
| Net worth ratio | 23.95% | 72th pct | 67th pct |
| Return on average assets | 0.58% | 57th pct | 51th pct |
| Net interest margin | 6.61% | 95th pct | 95th pct |
| Cost of funds | 1.49% | 78th pct | 66th pct |
| Loan-to-share | 76.69% | 73th pct | 54th pct |
| Delinquency 60+ days | 8.82% | 93th pct | 90th pct |
| Net charge-off ratio | 0.78% | 84th pct | 82th pct |
| Loan growth YoY | -14.44% | 14th pct | 3th pct |
| Share growth YoY | -2.54% | 30th pct | 25th pct |
| Efficiency ratio | 79.72% | 39th pct | 44th pct |
structural peer set hash: 4dc0f36aa18a9be9bd91e7843a2227b5… (reproducible)
Closest structural peers
This is the free public view
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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.