Federal credit union · DENVER CITY, Texas · NCUA charter #7677
W T N M Atlantic
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $1.8M
- Total assets
- 470
- Members
- 23.9%
- Net-worth ratio
W T N M Atlantic scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.8M; members 470; net-worth ratio 23.95%; health rank #3,443 of 4,374; healthier than 20th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,443 of 4,374 health · 2025Q4W T N M Atlantic · health 72/100 · $1.8M · 2025Q4
- NCUSIF 72/100
- CAMELS 23.9%
- HEALTH 8.60%
- NW 1.20%
- DELQ $1.8M
- ROA 470
- ASSETS #3,443/4,374
- MEM n/a
- RANK 7677
Call Report peers
W T N M Atlantic carries $1.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
W T N M Atlantic vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
W T N M Atlantic - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #7677. See our deposit-insurance coverage note.
Peer-gap read for W T N M Atlantic
- Loan-to-Share Ratio leads the peer set - 87.41% here, 52.70% peer average (+34.71 pp).
- Largest lag: Delinquency Rate at 8.60% vs peer 4.48% (+4.13 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where W T N M Atlantic sits in Texas
- Texas health ordinal: #302 of 386.
- By total assets, W T N M Atlantic is #374 of 386 in Texas.
- Membership ranks #367 of 386 among Texas CUs with a reported count (470 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for W T N M Atlantic
W T N M Atlantic: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $1.8M (2025Q4) to $1.9M (2026Q1).
- Net-worth ratio shifted -0.36 pp (24.31% → 23.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
23.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 15.4 pts
W T N M Atlantic vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.95% | +1.02 pp |
| Delinquency Rate | 8.60% | +4.13 pp |
| Return on Assets | 1.20% | +0.98 pp |
| Member Growth | 2.17% | - |
| Loan-to-Share Ratio | 87.41% | +34.71 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
W T N M Atlantic quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.9M | - |
| 2025Q4 | $1.8M | 470 |
| 2024Q4 | $2.1M | 460 |
| 2023Q4 | $1.7M | 454 |
Credit Union Details
- Charter Number
- 7677
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Texas
- City
- DENVER CITY
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, W T N M Atlantic runs one office.
| Office | City |
|---|---|
| WT-NM Atlantic Federal Credit Union (Main Office) | Denver City, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Other-state peers near W T N M Atlantic
W T N M Atlantic's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- W T N M Atlantic ranks #3,443 of 4,374 nationally on financial health and #302 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Highway Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Highway Employees
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is W T N M Atlantic financially healthy?
W T N M Atlantic scores 72/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,443 of 4,374; by total assets it ranks #4,148 of 4,374 nationally (same basis as /rankings/largest); and #374 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 23.95% net worth ratio and a 8.60% delinquency rate.
How does W T N M Atlantic compare to other credit unions?
On PlainCU's health composite, W T N M Atlantic lands at 72/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join W T N M Atlantic?
W T N M Atlantic operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact W T N M Atlantic directly for the exact boundaries and application steps.
Is my money safe at W T N M Atlantic?
Federal credit unions like W T N M Atlantic are 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. W T N M Atlantic's net worth ratio of 23.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does W T N M Atlantic offer compared to banks?
Credit unions like W T N M Atlantic are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact W T N M Atlantic directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.