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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); W T N M Atlantic sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Texas, Salt Employees (#301) ties at 72/100; one place down, MCMURREY (#303) ties at 72/100.
Quarter path for W T N M Atlantic
W T N M Atlantic: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $1.8M (2025Q4) to $1.9M (2026Q1).
- Net-worth ratio shifted -0.36 pp (24.31% → 23.95%).
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
W T N M Atlantic gives up 28 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is W T N M Atlantic financially healthy?
On its 2025Q4 NCUA 5300 filing, W T N M Atlantic scores 72/100 (Very Good), with a 23.95% net worth ratio and 8.60% of loans delinquent. It ranks #3,443 of 4,374 nationally on health and #302 of 386 in Texas.
How does W T N M Atlantic compare to other credit unions?
W T N M Atlantic scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (87.41% vs 52.70%). Its widest shortfall is delinquency rate (8.60% vs 4.48%).
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?
W T N M Atlantic is a federal 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. W T N M Atlantic's net worth ratio of 23.95% 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.