State credit union · Piketon, Ohio · NCUA charter #63532
ATOMIC
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $816.4M
- Total assets
- 86,653
- Members
- 8.6%
- Net-worth ratio
ATOMIC scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $816.4M; members 86,653; net-worth ratio 8.55%; health rank #298 of 4,374; healthier than 93rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#298 of 4,374 health · 2025Q4ATOMIC · health 96/100 · $816.4M · 2025Q4
Call Report peers
ATOMIC in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ATOMIC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ATOMIC sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
ATOMIC: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +7.22 pp (91.12% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -2.63 pp (8.55% vs 11.18%).
ATOMIC in Ohio
- Ohio health ordinal: #13 of 196.
- Assets rank #11 of 196 inside Ohio ($816.4M reported).
- Membership ranks #8 of 196 among Ohio CUs with a reported count (86,653 members).
- One place up in Ohio, Medina County (#12) ties at 96/100; one place down, DYNAMIC (#14) scores 95/100, 1 point lower.
ATOMIC: 2025Q4 → 2026Q1
ATOMIC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $816.4M (2025Q4) to $847.9M (2026Q1).
- Net-worth ratio shifted -0.06 pp (8.61% → 8.55%).
8.55% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
ATOMIC gives up 4 points in total. Net Worth Ratio costs the most, 3.6 of its 30; Delinquency Rate and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 26.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
ATOMIC vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.55% | -2.63 pp |
| Delinquency Rate | 0.24% | -0.64 pp |
| Return on Assets | 0.69% | +0.18 pp |
| Member Growth | 7.73% | - |
| Loan-to-Share Ratio | 91.12% | +7.22 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - ATOMIC
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $847.9M | - |
| 2025Q4 | $816.4M | 86,653 |
| 2024Q4 | $723.4M | 80,439 |
| 2023Q4 | $635.9M | 73,300 |
Credit Union Details
- Charter Number
- 63532
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Ohio
- City
- Piketon
- Data Quarter
- 2025Q4
Branch Locations (18)
The NCUA branch filing lists 18 physical offices for ATOMIC, spread across 17 cities.
| Office | City |
|---|---|
| Atomic Credit Union Corporate Office (Main Office) | Piketon, OH |
| Atomic Credit Union - Athens State Street | Athens, OH |
| Atomic Credit Union - Beaver | Beaver, OH |
| Atomic Credit Union - Chillicothe Western Ave. | Chillicothe, OH |
| Atomic Credit Union - Chillicothe Bridge St | Chillicothe, OH |
| Atomic Credit Union - Circleville | CIRCLEVILLE, OH |
| Atomic Credit Union - Hillsboro | Hillsboro, OH |
| Atomic Credit Union - Jackson | Jackson, OH |
| Atomic Credit Union - Lancaster Branch | Lancaster, OH |
| Atomic Credit Union - Logan | Logan, OH |
| Atomic Credit Union - Lucasville Branch | Lucasville, OH |
| Atomic Credit Union - Minford Branch | MINFORD, OH |
| ATOMIC CREDIT UNION - OAK HILL | OAK HILL, OH |
| Atomic Credit Union - Portsmouth | Portsmouth, OH |
| Atomic Credit Union - Washington Court House | Washington Court House, OH |
| Atomic Credit Union - Waverly | Waverly, OH |
| Atomic Credit Union - Wellston Downtown | Wellston, OH |
| Atomic Credit Union - Wheelersburg | Wheelersburg, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Other-state peers near ATOMIC
Using this data
- ATOMIC ranks #298 of 4,374 nationally on financial health and #13 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CINFED is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CINFED
Frequently Asked Questions
Is ATOMIC financially healthy?
ATOMIC has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #298 of 4,374 nationally on health and #13 of 196 in Ohio. Its net worth ratio is 8.55% and its delinquency rate 0.24%.
How does ATOMIC compare to other credit unions?
ATOMIC scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.12% vs 83.90%). Its widest shortfall is net worth ratio (8.55% vs 11.18%).
How can I join ATOMIC?
Membership eligibility for ATOMIC depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ATOMIC directly for current membership requirements and application steps.
Is my money safe at ATOMIC?
ATOMIC is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ATOMIC's net worth ratio of 8.55% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.