Headquartered in Denver City, Texas, W T N M Atlantic Federal Credit Union is a federal credit union with $2.1M in total assets and $1.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1952.
W T N M Atlantic Federal Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 276th. Capital cushion contributes the most (100/100, 21.20%); loan quality contributes the least (0/100, 6.76%).
TellerScore · Q2 2026
Scorecard
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 (62 → 63).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 58 |
| Q4 2024 | 60 |
| Q1 2025 | 66 |
| Q2 2025 | 62 |
| Q3 2025 | 64 |
| Q4 2025 | 63 |
| Q1 2026 | 57 |
| Q2 2026 | 63 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 21.88% |
| Q3 2024 | 21.81% |
| Q4 2024 | 20.04% |
| Q1 2025 | 20.65% |
| Q2 2025 | 21.53% |
| Q3 2025 | 23.19% |
| Q4 2025 | 24.31% |
| Q1 2026 | 23.95% |
| Q2 2026 | 21.20% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 4.11% |
| Q3 2024 | 4.92% |
| Q4 2024 | 5.28% |
| Q1 2025 | 8.84% |
| Q2 2025 | 8.34% |
| Q3 2025 | 8.46% |
| Q4 2025 | 8.60% |
| Q1 2026 | 8.82% |
| Q2 2026 | 6.76% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 1.10% |
| Q4 2024 | 1.06% |
| Q1 2025 | 2.07% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.74% |
| Q4 2025 | 1.52% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $2.1M | 21.20% | 6.76% | 0.91% | 64.0% |
| Q1 2026 | 57 | $1.9M | 23.95% | 8.82% | 0.58% | 76.7% |
| Q4 2025 | 63 | $1.8M | 24.31% | 8.60% | 1.52% | 87.4% |
| Q3 2025 | 64 | $1.9M | 23.19% | 8.46% | 1.74% | 87.4% |
| Q2 2025 | 62 | $2.0M | 21.53% | 8.34% | 1.43% | 85.8% |
| Q1 2025 | 66 | $2.1M | 20.65% | 8.84% | 2.07% | 86.4% |
| Q4 2024 | 60 | $2.1M | 20.04% | 5.28% | 1.06% | 89.0% |
| Q3 2024 | 58 | $1.9M | 21.81% | 4.92% | 1.10% | 105.3% |
| Q2 2024 | 54 | $1.8M | 21.88% | 4.11% | 0.49% | 101.5% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Faith CooperativeCredit union Dallas, TX | 68 out of 100, Moderate | $2.3M | 27.5% | 4.50% | vs |
| Lehrer Interests Credit UnionCredit union Garwood, TX | 86 out of 100, Very strong | $2.3M | 21.4% | 0.00% | vs |
| St. Luke'S Community Federal Credit UnionCredit union Houston, TX | 53 out of 100, Below average | $1.9M | 11.7% | 3.03% | vs |
| American Baptist Association Credit UnionCredit union Angleton, TX | 60 out of 100, Moderate | $1.8M | 8.4% | 0.00% | vs |
| Highway Employees Credit UnionCredit union Tyler, TX | 81 out of 100, Strong | $1.8M | 29.2% | 0.04% | vs |
| Navarro Credit UnionCredit union Corsicana, TX | 53 out of 100, Below average | $2.7M | 42.7% | 3.18% | vs |
Deposit insurance
Is my money safe at W T N M Atlantic Federal Credit Union?
Yes. W T N M Atlantic Federal Credit Union is a federally insured credit union (NCUA charter #7677). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 21.20%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
W T N M Atlantic Federal Credit Union lists 1 office in 1 city. Most locations:
- Denver City, TX (1)
Identity & history
Profile
- Legal name
- W T N M Atlantic Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 7677
- RSSD ID
- 54786
- Primary regulator
- NCUA
- Established
- 1952
- Headquarters
- Po Box 467, Denver City, TX 79323
- Employees
- 2
Quick answers
W T N M Atlantic Federal Credit Union: common questions
Is W T N M Atlantic Federal Credit Union NCUA insured?
Yes. W T N M Atlantic Federal Credit Union is a federally insured credit union (NCUA charter #7677). 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 W T N M Atlantic Federal Credit Union's TellerScore?
63 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 W T N M Atlantic Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Denver City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Estacado Federal Credit UnionCredit union Hobbs, NM | 87 out of 100, Very strong | $120.0M | 14.1% | 0.73% | vs |
| Yoakum County Federal Credit UnionCredit union Plains, TX | 84 out of 100, Strong | $8.0M | 24.9% | 0.09% | vs |
| First American BankBank Artesia, NM | 80 out of 100, Strong | $1.9B | 11.8% | 0.53% | vs |
| Sundown State BankBank Sundown, TX | 79 out of 100, Strong | $307.7M | 11.6% | 0.84% | vs |
| First United BankBank Dimmitt, TX | 77 out of 100, Strong | $2.4B | 11.2% | 0.41% | vs |
| Maverick BankBank Fort Davis, TX | 76 out of 100, Strong | $809.1M | 8.8% | 0.01% | vs |