PackageTrendsPeer
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Atomic

Piketon, OH · Charter 63532

NCUA · 18 branches

Q2 2026

$855.4MAssets
$714.4MLoans
$776.0MShares
$70.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.85%, down 4 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.24% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.27%, up 12 bps from a year ago.
  • Funding: loans stand at 92.06% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.85%-4 bps YoY

Net Interest Margin (YTD, annualized)

4.23%-4 bps YoY

Efficiency Ratio (YTD, annualized)

79.63%-94 bps YoY

Net Worth / Assets

8.27%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.92%0.97%0.76%0.85%-4 bps
Return on Equity10.89%11.17%11.79%9.36%10.25%-64 bps
Net Interest Margin4.27%4.29%4.21%4.18%4.23%-4 bps
Efficiency Ratio80.57%80.31%79.19%81.59%79.63%-94 bps
Growth
Asset Growth (YoY)11.83%7.27%12.86%13.13%11.35%-48 bps
Loan Growth (YoY)7.64%8.88%9.84%12.18%12.04%+440 bps
Share Growth (YoY)13.66%6.66%12.91%13.03%11.12%-254 bps
Asset Quality
Delinquent Loans / Loans0.23%0.24%0.24%0.24%0.24%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.15%8.25%8.22%8.11%8.27%+12 bps
Net Worth / Assets8.15%8.25%8.22%8.11%8.27%+12 bps
Liquidity & Funding
Loans / Shares91.30%92.83%91.12%89.25%92.06%+76 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps