Side-by-side · Q2 2026 data
Chivaho Federal Credit Union vs Atomic Credit Union
Metric by metric
| Measure | Chivaho Federal Credit Union | Atomic Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 64 |
| Capital cushion | 89 (stronger) | 36 |
| Loan quality | 91 | 92 (stronger) |
| Earnings | 50 | 54 (stronger) |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 75th | 31st |
| Total assets | $37.7M | $855.4M |
| Deposits / shares | $32.4M | $776.0M |
| Capital ratio | 13.88% (stronger) | 8.57% |
| Problem loans | 0.27% | 0.24% (stronger) |
| Net charge-offs | 0.87% | 0.41% (stronger) |
| Return on assets | 0.74% | 0.85% (stronger) |
| Loans ÷ deposits | 47.2% (stronger) | 92.1% |
| Uninsured deposits | 3.6% (stronger) | 9.7% |
| Offices | 2 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 42.9% |
Chivaho Federal Credit Union has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Chivaho Federal Credit Union leads on 4 and Atomic Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.