TellerScore

Atomic Credit Union (NCUA charter #63532) is based in Piketon, Ohio. Its Q2 2026 call report shows $855.4M in total assets and $776.0M in member shares and deposits and 18 offices.

Atomic Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 130th. Problem-loan coverage contributes the most (95/100, 2.5%); capital cushion contributes the least (36/100, 8.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Net worth ratio: 8.57%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.24%
Earnings54/100
Return on assets (annualized): 0.85%
Funding & liquidity68/100
Loans ÷ shares: 92.1% · 9.7% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.51%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 64).

TellerScore
626465Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202462
Q3 202463
Q4 202463
Q1 202563
Q2 202564
Q3 202565
Q4 202565
Q1 202664
Q2 202664
Net worth ratio
7.00%7.80%8.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.55%
Q3 20248.41%
Q4 20248.46%
Q1 20258.39%
Q2 20258.43%
Q3 20258.55%
Q4 20258.61%
Q1 20268.55%
Q2 20268.57%
Delinquent loans (60+ days)
0.19%0.22%0.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.19%
Q4 20240.23%
Q1 20250.25%
Q2 20250.23%
Q3 20250.24%
Q4 20250.24%
Q1 20260.24%
Q2 20260.24%
Return on assets
0.64%0.81%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.64%
Q3 20240.65%
Q4 20240.78%
Q1 20250.75%
Q2 20250.89%
Q3 20250.92%
Q4 20250.97%
Q1 20260.76%
Q2 20260.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$855.4M8.57%0.24%0.85%92.1%
Q1 202664$847.9M8.55%0.24%0.76%89.2%
Q4 202565$816.4M8.61%0.24%0.97%91.1%
Q3 202565$783.5M8.55%0.24%0.92%92.8%
Q2 202564$768.2M8.43%0.23%0.89%91.3%
Q1 202563$749.5M8.39%0.25%0.75%89.9%
Q4 202463$723.4M8.46%0.23%0.78%93.7%
Q3 202463$730.4M8.41%0.19%0.65%90.9%
Q2 202462$687.0M8.55%0.20%0.64%96.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.57%
8th
Problem loans0.24%
87th
Net charge-offs0.41%
44th
Return on assets0.85%
58th
Loans to deposits92.1%
13th
Uninsured deposits9.7%
18th
Loan-loss reserves0.00%
50th
Texas ratio2.5%
69th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Cinfed Federal Credit UnionCredit union Cincinnati, OH72 out of 100, Strong$863.2M11.6%0.30%vs
Dover-Phila Federal Credit UnionCredit union Dover, OH83 out of 100, Strong$812.6M13.3%0.91%vs
Day Air Credit UnionCredit union Kettering, OH82 out of 100, Strong$908.8M14.6%0.96%vs
Pathways Financial Credit UnionCredit union Columbus, OH67 out of 100, Moderate$771.9M10.8%1.08%vs
Bmi Federal Credit UnionCredit union Dublin, OH68 out of 100, Moderate$732.3M10.4%0.46%vs
Sharefax Credit UnionCredit union Cincinnati, OH59 out of 100, Moderate$720.8M9.8%1.11%vs

Deposit insurance

Is my money safe at Atomic Credit Union?

Yes. Atomic Credit Union is a federally insured credit union (NCUA charter #63532). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.7% of shares and deposits ($75.1M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.57%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

18 locations

Branches

Atomic Credit Union lists 18 offices in 17 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Atomic Credit Union reported 694 home-loan applications under HMDA (LEI 54930038B7D8N5ZCSG62): 332 originated ($57,000,000 total), 249 denied, and 113 withdrawn or closed by the applicant. Its denial rate on decided applications was 42.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Atomic Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63532
RSSD ID
23894
Primary regulator
State + NCUA
Established
1955
Headquarters
711 Beaver Creek Rd, Piketon, OH 45661
Employees
274

Quick answers

Atomic Credit Union: common questions

Is Atomic Credit Union NCUA insured?

Yes. Atomic Credit Union is a federally insured credit union (NCUA charter #63532). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Atomic Credit Union's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Atomic Credit Union have?

18 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Piketon

InstitutionScoreAssetsCapitalProblem loansCompare
Chivaho Federal Credit UnionCredit union Chillicothe, OH84 out of 100, Strong$37.7M13.9%0.27%vs
Homeland Credit UnionCredit union Chillicothe, OH82 out of 100, Strong$624.2M15.8%1.10%vs
Desco Federal Credit UnionCredit union Portsmouth, OH76 out of 100, Strong$550.7M11.8%0.51%vs
The Vinton County National BankBank Mcarthur, OH73 out of 100, Strong$1.6B10.5%0.27%vs
Southern Hills Community BankBank Leesburg, OH71 out of 100, Strong$209.6M13.8%1.58%vs
First State BankBank Winchester, OH70 out of 100, Strong$1.2B10.5%0.86%vs