Side-by-side · Q2 2026 data
Desco Federal Credit Union vs Atomic Credit Union
Metric by metric
| Measure | Desco Federal Credit Union | Atomic Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 64 |
| Capital cushion | 68 (stronger) | 36 |
| Loan quality | 83 | 92 (stronger) |
| Earnings | 59 (stronger) | 54 |
| Funding & liquidity | 93 (stronger) | 68 |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 68th | 31st |
| Total assets | $550.7M | $855.4M |
| Deposits / shares | $481.4M | $776.0M |
| Capital ratio | 11.77% (stronger) | 8.57% |
| Problem loans | 0.51% | 0.24% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.41% |
| Return on assets | 0.98% (stronger) | 0.85% |
| Loans ÷ deposits | 66.8% (stronger) | 92.1% |
| Uninsured deposits | 12.7% | 9.7% (stronger) |
| Offices | 6 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 42.9% |
Desco Federal Credit Union has the higher TellerScore (76 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Desco Federal Credit Union leads on 5 and Atomic Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lucasville, OH
- Minford, OH
- Portsmouth, OH