Side-by-side · Q2 2026 data
Cinfed Federal Credit Union vs Atomic Credit Union
Metric by metric
| Measure | Cinfed Federal Credit Union | Atomic Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 64 |
| Capital cushion | 66 (stronger) | 36 |
| Loan quality | 90 | 92 (stronger) |
| Earnings | 53 | 54 (stronger) |
| Funding & liquidity | 61 | 68 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 57th | 31st |
| Total assets | $863.2M | $855.4M |
| Deposits / shares | $723.6M | $776.0M |
| Capital ratio | 11.56% (stronger) | 8.57% |
| Problem loans | 0.30% | 0.24% (stronger) |
| Net charge-offs | 0.21% (stronger) | 0.41% |
| Return on assets | 0.84% | 0.85% (stronger) |
| Loans ÷ deposits | 99.5% | 92.1% (stronger) |
| Uninsured deposits | 0.4% (stronger) | 9.7% |
| Offices | 7 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.6% | 42.9% |
Cinfed Federal Credit Union has the higher TellerScore (72 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Cinfed Federal Credit Union leads on 4 and Atomic Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.