Side-by-side · Q2 2026 data
Atomic Credit Union vs Pathways Financial Credit Union
Metric by metric
| Measure | Atomic Credit Union | Pathways Financial Credit Union |
|---|---|---|
| TellerScore | 64 | 67 (stronger) |
| Capital cushion | 36 | 58 (stronger) |
| Loan quality | 92 (stronger) | 64 |
| Earnings | 54 | 59 (stronger) |
| Funding & liquidity | 68 | 84 (stronger) |
| Problem-loan coverage | 95 (stronger) | 87 |
| Peer percentile | 31st | 41st |
| Total assets | $855.4M | $771.9M |
| Deposits / shares | $776.0M | $656.2M |
| Capital ratio | 8.57% | 10.84% (stronger) |
| Problem loans | 0.24% (stronger) | 1.08% |
| Net charge-offs | 0.41% | 0.25% (stronger) |
| Return on assets | 0.85% | 0.99% (stronger) |
| Loans ÷ deposits | 92.1% | 76.7% (stronger) |
| Uninsured deposits | 9.7% | 8.2% (stronger) |
| Offices | 18 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 42.9% | 29.5% |
Pathways Financial Credit Union has the higher TellerScore (67 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Atomic Credit Union leads on 1 and Pathways Financial Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.