Atlantic Financial
Hunt Valley, MD · Charter 6652 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 3 branches
Q4 2024
$99.2MAssets
$60.5MLoans
$89.8MShares
$10.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 27% of credit unions under $1B in assets (rank 1257 of 1724).
- Widest gap: efficiency ratio trails 94% of credit unions under $1B in assets (rank 1623 of 1721).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.52%
Rank 1,613 of 1,724
Net Interest Margin
3.02%
Rank 1,302 of 1,723
Efficiency Ratio
105.35%
Rank 1,623 of 1,721
Equity / Assets
10.33%
Rank 1,254 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.52% | 0.25% | 0.67% | 1.13% | Beats 6% | 1,613 / 1,724 | | |
| Return on Equity | -5.01% | 1.95% | 5.34% | 8.54% | Beats 6% | 1,622 / 1,723 | | |
| Net Interest Margin | 3.02% | 3.03% | 3.61% | 4.27% | Beats 24% | 1,302 / 1,723 | | |
| Efficiency Ratio | 105.35% | 69.84% | 78.36% | 87.50% | Beats 6% | 1,623 / 1,721 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.15% | 0.28% | 0.70% | 1.38% | Beats 13% | 1,491 / 1,721 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.33% | 10.16% | 12.41% | 16.03% | Beats 27% | 1,257 / 1,724 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.33% | 10.15% | 12.41% | 16.03% | Beats 27% | 1,254 / 1,723 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.45% | 55.95% | 72.66% | 85.34% | 41st pctl | 1,019 / 1,722 | | |
| Loans / Assets | 61.01% | 47.91% | 62.00% | 72.82% | 48th pctl | 899 / 1,723 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |