Side-by-side · Q2 2026 data
Sharefax Credit Union vs Atomic Credit Union
Metric by metric
| Measure | Sharefax Credit Union | Atomic Credit Union |
|---|---|---|
| TellerScore | 59 | 64 (stronger) |
| Capital cushion | 48 (stronger) | 36 |
| Loan quality | 63 | 92 (stronger) |
| Earnings | 44 | 54 (stronger) |
| Funding & liquidity | 80 (stronger) | 68 |
| Problem-loan coverage | 80 | 95 (stronger) |
| Peer percentile | 19th | 31st |
| Total assets | $720.8M | $855.4M |
| Deposits / shares | $643.0M | $776.0M |
| Capital ratio | 9.82% (stronger) | 8.57% |
| Problem loans | 1.11% | 0.24% (stronger) |
| Net charge-offs | 0.32% (stronger) | 0.41% |
| Return on assets | 0.59% | 0.85% (stronger) |
| Loans ÷ deposits | 80.6% (stronger) | 92.1% |
| Uninsured deposits | 8.4% (stronger) | 9.7% |
| Offices | 8 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.3% | 42.9% |
Atomic Credit Union has the higher TellerScore (64 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Sharefax 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.