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Credit union call report ยท Piketon, OH

Atomic Credit Union, Inc. Call Report

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Atomic Credit Union, Inc. filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 496 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Atomic Credit Union, Inc. call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number63532
Federal Reserve RSSD ID23894

The official copy: search charter number 63532 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Atomic Credit Union, Inc. call report, Q2 2026

Statement of Financial Condition (39 items)
Atomic Credit Union, Inc., Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $15.3M
1c. Total Cash on Hand 730A $15.3M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $51.0M
2c. Cash on Deposit in Other Financial Institutions 730B2 $597K
2. Cash on Deposit (total) 730B $51.6M
3. Time Deposits in Banks and Credit Unions AS0007 $1.7M
4. All Other Deposits AS0008 $23K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $68.7M
9. Held-to-Maturity Debt Securities AS0073 $13.6M
11. TOTAL INVESTMENT SECURITIES AS0013 $13.6M
12b. Perpetual Contributed Capital 769B $1.7M
12c. All Other Investments AS0016 $873K
13. TOTAL OTHER INVESTMENTS AS0017 $2.6M
15a. Number of Total Loans and Leases 025A 34,715
15b. Total Loans and Leases 025B $714.4M
17. ACL on Loans and Leases AS0048 $3.8M
18b. Foreclosed/Repossessed - Consumer RE AS0023 $48K
18c. Foreclosed/Repossessed - Vehicles AS0024 $29K
18e. Foreclosed/Repossessed Assets (total) 798A $77K
19. Land and Building 007 $35.1M
20. Other Fixed Assets 008 $5.5M
21. NCUA Share Insurance Capitalization Deposit 794 $6.6M
22b. Mortgage Servicing Rights 779 $25K
22d. Accrued Interest on Loans 009A $2.9M
22e. Accrued Interest on Investments 009B $77K
22f. All Other Assets 009C $9.8M
22g. Total Other Assets AS0036 $12.7M
23. TOTAL ASSETS 010 $855.4M
Accounts Payable and Other Liabilities 825 $8.7M
Accrued Dividends and Interest Payable 820A $53
Member Shares of All Types 013 $765.4M
Nonmember Deposits 880 $10.5M
Total Shares and Deposits 018 $776.0M
Undivided Earnings 940 $61.1M
Other Reserves 658 $4.6M
Net Income (equity) 602 $3.6M
Total Net Worth 997 $70.8M
Net Worth Ratio 998 8.57%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $855.4M
Statement of Income and Expense (27 items)
Atomic Credit Union, Inc., Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $23.4M
3. Income from Investments 120 $1.7M
5. TOTAL INTEREST INCOME 115 $25.1M
6. Dividends on Shares 380 $6.9M
7. Interest on Deposits 381 $98K
9. TOTAL INTEREST EXPENSE 350 $7.0M
10. NET INTEREST INCOME IS0010 $18.1M
12a. Credit Loss Expense - Loans and Leases IS0011 $2.0M
12e. Total Credit Loss Expense IS0017 $2.0M
13. Fee Income 131 $4.9M
14. Other Operating Income IS0020 $4.4M
18. Gain (Loss) on Disposition of Fixed Assets 430 $6K
19. Gain (Loss) on Sale of Loans IS0029 $726
20. Gain (Loss) on Sales of Other Real Estate Owned IS0030 -$11K
23. TOTAL NON-INTEREST INCOME 117 $9.3M
24. Employee Compensation and Benefits 210 $13.2M
25. Travel and Conference 230 $366K
26. Office Occupancy 250 $813K
27. Office Operations 260 $6.2M
28. Educational and Promotional 270 $342K
29. Loan Servicing 280 $437K
30. Professional and Outside Services 290 $210K
31. Member Insurance 310 $31K
32. Operating Fees 320 $47K
33. Miscellaneous Operating Expense 360 $194K
34. TOTAL NON-INTEREST EXPENSE 671 $21.8M
35. NET INCOME 661A $3.6M
Statement pages - all other filed accounts (24 items)

delinquency (21%), credit cards (21%)

Atomic Credit Union, Inc., Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $2.0M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $937K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $9K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $56K
Loans Granted Year-to-Date 031A $6K
Amount of Loans Granted Year-to-Date 031B $154.8M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $1.7M
Number of current members (not number of accounts) 083 89,256
Number of potential members 084 130,000
Net Member Business Loan Balance 400A $87.0M
Non-Member Deposits 457 $2
Interest Rate of Unsecured Credit Card Loans 521 1,275.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 999.00%
Interest Rate of New Vehicle Loans 523 424.00%
Interest Rate of Used Vehicle Loans 524 424.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $1.7M
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $255K
Total Amount of All Other Shares 630 $2.0M
Amount of Share Drafts 902 $373.1M
IRA/KEOGH Accounts - < 1 Year 906A $33.3M
Share Certificates - < 1 Year 908A $261.1M
Total Amount of Share Certificates 908C $283.9M
Total Amount of Money Market Shares 911 $63.6M
Number of Used Vehicle Loans 968 11,677
NCUA data file FS220A (29 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Atomic Credit Union, Inc., NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
The average of the current and three preceding quarter-end balances 010C $825.8M
Total Shares - < 1 Year 013A $733.2M
Total Shares - 1-3 Years 013B1 $23.3M
Total Shares - > 3 Years 013B2 $8.9M
Total Shares and Deposits - < 1 Year 018A $743.7M
Total Shares and Deposits - 1-3 Years 018B1 $23.3M
Total Shares and Deposits - > 3 Years 018B2 $8.9M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 260
Amount of Delinquent Indirect Loans 041E $530K
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $203.8M
Amount of New Vehicle Loans 385 $97.3M
Amount of Unsecured Credit Card Loans 396 $12.4M
Amount of All Other Unsecured Loans/Lines of Credit 397 $18.5M
Share Certificates 451 $6K
Number of Accounts for Share Drafts 452 133,201
IRA/KEOGH Accounts 453 $1K
All other shares 455 $739
Money Market Shares 458 $783
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 141,907
Number of credit union employees who are Full-Time (26 hours or more) 564A 247
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 27
Number of Outstanding Indirect Loans 617A 6,952
Total Amount of Outstanding Indirect Loans 618A $173.4M
Amount of real estate loans sold but serviced by the credit union 779A $5.5M
Total credit lines 881 $307.1M
Elementary School Number of Branches PP0027 $29
Middle School Number of Branches PP0029 $14
High School Number of Branches PP0031 $28
NCUA data file FS220B (30 items)

maturity and repricing buckets (40%), credit cards (17%)

Atomic Credit Union, Inc., NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $75K
Number - Total Delinquent Credit Card Loans 045A 54
Total Amount of Delinquent Unsecured Credit Card Loans 045B $116K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $75.1M
Total Uninsured Nonmember Shares and Deposits > $250K (G+H+I) 067A2 $10.5M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $85.6M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $690.4M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
All other shares - < 1 Year 630A $2.0M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $142K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $17K
Fair value of Held to Maturity Securities 801 $13.5M
Does you credit union maintain share/deposit insurance coverage other than the NCUSIF? 875 $1
Dollar amount of shares and/or deposits insured by the company named above 877 $61.9M
Non-Member Deposits - < 1 Year 880A $10.5M
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $373.1M
IRA/KEOGH Accounts - 1-3 Years 906B1 $6.9M
IRA/KEOGH Accounts - > 3 Years 906B2 $2.6M
Total Amount of IRA/KEOGH Accounts 906C $42.8M
Share Certificates - 1-3 Years 908B1 $16.4M
Share Certificates - > 3 Years 908B2 $6.3M
Money Market Shares - < 1 Year 911A $63.6M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $4.2M
Number of New Vehicle Loans 958 2,899
Total Shares 966 $142K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $3.0M
Number of Unsecured Credit Card Loans 993 7,271
Number of All Other Unsecured Loans/Lines of Credit 994 7,045
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 70
NCUA data file FS220C (8 items)

charge-offs and recoveries (27%), participation loans (18%)

Atomic Credit Union, Inc., NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $460K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $67K
Number of credit union branches (include the main office if member services are conducted at that location) 566 18
Supplemental Share Information - Accounts Held by Non-Member Government Depositors 632 $10.5M
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $172.4M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $25.3M
Outstanding balance of brokered certificates of deposit and share certificates 788 $13.6M
NCUA data file FS220D (33 items)

member services and products offered (69%), CUSO relationships (27%)

Atomic Credit Union, Inc., NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union plan to add any new branches or expand existing facilities in the next 12 months? 566B $1
No Cost Share Drafts 879A4 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
First Time Homebuyer Program 879B4 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Credit Builder 879D1 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
Brokered Certificates of Deposits 879N $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Elementary School PP0026 $1
Middle School PP0028 $1
High School PP0030 $1
Offer Custodial Accounts PP0032 $1
Offer Non-Custodial Accounts PP0033 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (6 items)

loans and leases (32%), participation loans (18%)

Atomic Credit Union, Inc., NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $1.4M
Total Value of Investments in CUSOs 851 $322K
Assets Pledged to Secure Borrowings 878 $494.6M
Total Credit Lines at Corporate Credit Unions 884 $6.0M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $1.4M
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $1.4M
NCUA data file FS220H (3 items)

student loans (43%), delinquency (27%)

Atomic Credit Union, Inc., NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $76.0M
Total number of TDR loans outstanding 1000F $69
Total amount of TDR loans outstanding 1001F $1.5M
NCUA data file FS220I (16 items)

vehicle lending (59%), delinquency (44%)

Atomic Credit Union, Inc., NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $305K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $1.3M
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $32K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $550K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $9K
Number of Reportable Delinquent New Vehicle Loans 035E1 5
Number of Reportable Delinquent Used Vehicle Loans 035E2 73
Amount of Reportable Delinquent New Vehicle Loans 041C1 $114K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $936K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $78K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $677K
Amount of New Vehicle Loans YTD Recoveries 551C1 $31K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $75K
Commercial Share Accounts 643 $48.2M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $766K
Number of International Remittances originated Year-to-Date 928 27
NCUA data file FS220L (51 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Atomic Credit Union, Inc., NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $35K
Total Amount of Loans & Leases on Loan Schedule 025B1 $714.4M
Outstanding Balance of Member Commercial Loans Secured by Farmland 042A5 $8.7M
Outstanding Balance of Member Commercial Loans to finance agricultural production and other loans to farmers 042A6 $7.0M
Amount of Agricultural Commercial Loans 042A9 $15.6M
Total number of commercial loans to members granted or purchased YTD 090A1 $85
Number of Member Unsecured Commercial Loans granted or purchased YTD 090C5 2
Number of Member Unsecured Revolving Lines of Credit granted for Commercial Purposes granted or purchased YTD 090C6 6
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 5
Number of member commercial loans Secured by Non-Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090J2 8
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $23
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 23
Number of member commercial loans Secured by Multifamily Property granted or purchased YTD 090M 1
Number of Member Commercial loans Secured by Farmland granted or purchased YTD 099A5 8
Number of Member commercial Loans to finance agricultural production and other loans to farmers granted or purchased YTD 099A6 31
Number of member construction and development commercial loans 143A3 6
Outstanding balance of member construction and development commercial loans 143B3 $4.7M
Number of member construction and development commercial loans granted or purchased YTD 143C3 1
Dollar Amount of member construction and development commercial loans granted or purchased YTD 143D3 $128K
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $25.5M
Amount of All Other Real Estate Loans/Lines of Credit 386B $543K
Total outstanding balance of commercial loans to members 400A1 $77.8M
Outstanding balance of Unsecured Member Commercial Loans 400C5 $184K
Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 400C6 $873K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $16.1M
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $20.2M
Outstanding balance of Member Commercial and Industrial loans 400L2 $9.3M
Outstanding balance of member commercial loans Secured Multifamily Property 400M $10.8M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $17.4M
Outstanding balance of all member and non-member commercial loans 400T1 $77.8M
Dollar Amount of Member Commercial loans Secured by Farmland granted or purchased YTD 463A5 $1.4M
Dollar Amount of Member Commercial loans to finance agricultural production and other loans to farmers granted or purchased YTD 463A6 $2.1M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $10.1M
Dollar Amount of Member Unsecured Commercial Loans granted or purchased YTD 475C5 $130K
Dollar Amount of Member Commercial Unsecured Revolving Lines of Credit Granted or purchased YTD 475C6 $70K
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $1.8M
Dollar Amount of Member Commercial loans Secured by Non-Owner Occupied Non-Farm, Non-Residential Property granted or purchased YTD 475J2 $2.4M
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $6.0M
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $1.9M
Dollar Amount of Member Commercial loans Secured by Multifamily Property granted or purchased YTD 475M $264K
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 725.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 524.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 675.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 725.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 663.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 750.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $28.1M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $250.4M
Balance Outstanding of 1st Mtg Residential construction Loans - Excluding Commercial Purpose 704A2 $3.5M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $60.4M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $60.4M
NCUA data file FS220M (24 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Atomic Credit Union, Inc., NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $31.9M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $23.7M
Total Unfunded Commitments for Commercial Loans 814K $9.2M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $389K
Total Unfunded Commitments for Non-Commercial Loans 816T $66.8M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $10.8M
Total number of member commercial loans 900A1 $690
Number of Member Unsecured Commercial Loans 900C5 5
Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 900C6 171
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 52
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 64
Total number of real estate secured member commercial loans 900K2 $225
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 226
Number of Member Commercial and Industrial loans 900L2 152
Number of member commercial loans Secured by Multifamily Property 900M 47
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 465
Total Number of Member and Nonmember commercial loans 900T1 $690
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 2,162
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 557
Number of All Other Real Estate Loans/Lines of Credit 960B 20
Number of member commercial loans Secured by Farmland 961A5 56
Number of member commercial loans to finance agricultural production and other loans to farmers 961A6 137
Number of Agricultural Commercial Loans 961A9 193
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 2,393
NCUA data file FS220N (6 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Atomic Credit Union, Inc., NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $4.2M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $6.2M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $3.2M
Total Liabilities LI0069 $784.7M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $13K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $855.4M
NCUA data file FS220P (38 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Atomic Credit Union, Inc., NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $531K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $105K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $298K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $27K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $47.9M
Unsecured Credit Card Loans DL0002 $41K
All Other Unsecured Loans/Lines of Credit DL0022 $70K
All Other Unsecured Loans/Lines of Credit DL0023 $57K
All Other Unsecured Loans/Lines of Credit DL0024 $203K
All Other Unsecured Loans/Lines of Credit DL0027 $260K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $110
New Vehicle Loans DL0030 $82K
Used Vehicle Loans DL0037 $376K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $305K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $76K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $57K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $133K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $16
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $15K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $120K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $20K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $140K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $2
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $45K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $752K
Amount of Consumer Loans in Non-Accrual Status DL0145 $946K
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans DL0148 $18
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans DL0149 $183K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 6,822
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $170.5M
Number of Indirect Loans - Commercial Loans IN0005 37
Amount of Indirect Loans - Commercial Loans IN0006 $1.5M
Number of Indirect Loans - All Other Loans IN0007 93
Amount of Indirect Loans - All Other Loans IN0008 $1.3M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Commercial Loans LQ0014 $9.2M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate LQ0015 $32.3M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Unsecured LQ0016 $34.5M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $76.0M
NCUA data file FS220Q (38 items)

investment portfolio detail (69%)

Atomic Credit Union, Inc., NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Off-Balance Sheet Exposures - Loans Transferred under the FHLB MPF program LQ0021 $5.5M
Off-Balance Sheet Exposures - Financial Standby Letters of Credit LQ0022 $20.0M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Corporate Credit Unions LQ0035 $6.0M
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $104.8M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $210.8M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - FRB LQ0047 $277.8M
Held-to-maturity Amortized Cost - US Government Obligations NV0001 $2.5M
Held-to-maturity Fair Value - US Government Obligations NV0002 $2.5M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0013 $2.0M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0014 $2.0M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $2.0M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $2.0M
Held-to-maturity Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0073 $9.1M
Held-to-maturity Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0074 $9.0M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $13.6M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $249K
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $1.5M
Investment Maturity Distribution - Time Deposits - Total NV0116 $1.7M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $13.6M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $2.6M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $2.6M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $4.4M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $7.7M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $3.2M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $2.6M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $17.9M
RBC Total Equity RB0001 $70.8M
RBC Allowance for Credit Losses RB0002 $3.8M
RBC Total Additions RB0005 $3.8M
RBC Total Deductions RB0009 $6.6M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $67.9M
RBC Risk-Based Capital Numerator RB0012 $67.9M
RBC Total for Risk Weighting Cash and Deposits in Financial Institutions or Reserve Banks RB0014 $68.7M
RBC Cash and Deposits in Financial Institutions or Reserve Banks 0% Weight RB0015 $17.0M
RBC Cash, Cash Equivalents, Deposits in Financial Institutions or Reserve Banks 20% Weight RB0016 $51.6M
RBC Cash and Deposits in Financial Institutions or Reserve Banks 100% Weight RB0017 $23K
RBC Total for Risk Weighting Securities RB0019 $13.6M
RBC Securities 0% Weight RB0020 $13.6M
NCUA data file FS220R (121 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Atomic Credit Union, Inc., NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Total Borrowing Capacity at Federal Reserve Bank LQ0061 $196.3M
CCULR Off-Balance sheet exposures LR0002 $101.4M
CCULR Off-Balance sheet exposures ratio LR0003 1,185.00%
RBC Total for Risk Weighting Other Investments RB0029 $2.6M
RBC Other Investments 20% Weight RB0031 $873K
RBC Other Investments 150% Weight RB0033 $1.7M
RBC Schedule Total Investments RB0039 $16.2M
RBC Total for Risk Weighting Total Investments RB0041 $16.2M
RBC Total Investments 0% Weight RB0042 $13.6M
RBC Total Investments 20% Weight RB0043 $873K
RBC Total Investments 150% Weight RB0046 $1.7M
RBC Total for Risk Weighting First Lien Residential Real Estate Loans RB0052 $250.4M
RBC First Lien Residential Real Estate Loans 50% Weight RB0053 $250.4M
RBC First Lien Residential Real Estate Loans 100% Weight RB0055 $20K
RBC Total for Risk Weighting Junior Lien Residential Real Estate Loans RB0057 $25.5M
RBC Junior Lien Residential Real Estate Loans 100% Weight RB0058 $25.5M
RBC Schedule Total Consumer Loans RB0060 $360.7M
RBC Total for Risk Weighting Consumer Loans RB0062 $360.7M
RBC Consumer Loans 0% Weight RB0063 $2.1M
RBC Consumer Loans 75% Weight RB0065 $326.8M
RBC Consumer Loans 100% Weight RB0066 $30.9M
RBC Consumer Loans 150% Weight RB0067 $927K
RBC Schedule Total Commercial Loans RB0068 $77.8M
RBC Total for Risk Weighting Commercial Loans RB0070 $77.8M
RBC Commercial Loans 100% Weight RB0073 $77.8M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $3.8M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $3.8M
RBC Schedule Total Loans RB0079 $710.6M
RBC Total for Risk Weighting Total Loans RB0081 $710.6M
RBC Total Loans 0% Weight RB0082 -$1.7M
RBC Total Loans 50% Weight RB0084 $250.4M
RBC Total Loans 75% Weight RB0085 $326.8M
RBC Total Loans 100% Weight RB0086 $134.2M
RBC Total Loans 150% Weight RB0087 $927K
RBC Schedule Total Other Assets RB0088 $59.9M
RBC Total for Risk Weighting Other Assets RB0090 $59.9M
RBC Other Assets 0% Weight RB0091 $6.6M
RBC Other Assets 100% Weight RB0092 $53.0M
RBC Other Assets 150% Weight RB0093 $322K
RBC Other Assets 250% Weight RB0094 $25K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $855.4M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $855.4M
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $35.5M
RBC Total Risk Weighted On-Balance Sheet Assets 20% Weight RB0102 $52.5M
RBC Total Risk Weighted On-Balance Sheet Assets 50% Weight RB0103 $250.4M
RBC Total Risk Weighted On-Balance Sheet Assets 75% Weight RB0104 $326.8M
RBC Total Risk Weighted On-Balance Sheet Assets 100% Weight RB0105 $187.2M
RBC Total Risk Weighted On-Balance Sheet Assets 150% Weight RB0106 $3.0M
RBC Total Risk Weighted On-Balance Sheet Assets 250% Weight RB0107 $25K
RBC Schedule Total Risk Weighted Assets - On-Balance Sheet RB0112 $572.6M
RBC Total Risk Weighted Assets - On-Balance Sheet 20% Weight RB0113 $10.5M
RBC Total Risk Weighted Assets On-Balance Sheet 50% Weight RB0114 $125.2M
RBC Total Risk Weighted Assets On-Balance Sheet 75% Weight RB0115 $245.1M
RBC Total Risk Weighted Assets On-Balance Sheet 100% Weight RB0116 $187.2M
RBC Total Risk Weighted Assets On-Balance Sheet 150% Weight RB0117 $4.5M
RBC Total Risk Weighted Assets On-Balance Sheet 250% Weight RB0118 $63K
RBC Unfunded Commitment Commercial Loans Credit Equivalent Amount RB0123 $4.6M
RBC Unfunded Commitment Commercial Loans 100% Weight RB0124 $4.6M
RBC Unfunded Commitment Secured Consumer Loans Credit Equivalent Amount RB0125 $3.2M
RBC Unfunded Commitment Secured Consumer Loans 50% Weight RB0126 $3.2M
RBC Unfunded Commitment Secured Consumer Loans 75% Weight RB0127 $39K
RBC Unfunded Commitment Secured Consumer Loans 100% Weight RB0128 $23K
RBC Unfunded Commitment Unsecured Consumer Loans Credit Equivalent Amount RB0129 $3.4M
RBC Unfunded Commitment Unsecured Consumer Loans 100% Weight RB0130 $3.4M
RBC Federal Home Loan Bank MPF Program Credit Equivalent Amount RB0131 $1.1M
RBC Federal Home Loan Bank MPF Program 50% Weight RB0132 $1.1M
RBC All other off-balance sheet exposures RB0133 $20.0M
RBC All other off-balance sheet exposures Credit Equivalent Amount RB0134 $20.0M
RBC All other off-balance sheet exposures 50% Weight RB0135 $20.0M
RBC Total Off-Balance Sheet and Derivative Credit Equivalent Amount RB0153 $32.4M
RBC Total Off-Balance Sheet and Derivative 50% Weight RB0158 $24.3M
RBC Total Off-Balance Sheet and Derivative 75% Weight RB0159 $39K
RBC Total Off-Balance Sheet and Derivative 100% Weight RB0160 $8.1M
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative RB0162 $20.2M
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative 50% Weight RB0166 $12.1M
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative 75% Weight RB0167 $29K
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative 100% Weight RB0168 $8.1M
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $887.8M
RBC Total Risk-Weighted Assets RB0171 $592.8M
RBC Total Risk Based Capital Ratio RB0172 1,146.00%
RBC Allowance for Credit Losses (Loans) RB0177 $3.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 648.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 80,855,689.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 12,413,254.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 649.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 36,821,894.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 5,918,222.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $294
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $43.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0009 $4.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $295
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $61.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less RL0012 $14.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 276.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 27,967,159.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 3,738,606.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $250.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $40.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 17.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 830,479.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 193,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 540.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 24,647,038.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 7,145,788.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $25.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $7.3M
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Number of Loans Outstanding RL0032 8.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Outstanding RL0033 259,251.00%
All Other (Non-commercial) Real Estate - Closed-End - Adjustable Rate - Number of Loans Outstanding RL0035 12.00%
All Other (Non-commercial) Real Estate - Closed-End - Adjustable Rate - Amount of Loans Outstanding RL0036 283,380.00%
All Other (Non-commercial) Real Estate - Closed-End - Adjustable Rate - Amount of Loans Granted YTD RL0037 40,536.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $543K
All Other (Non-commercial) Real Estate - Amount of Loans Granted YTD - Total RL0045 $41K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $3K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $276.4M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $48.3M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $124.4M
Total Shares SH0013 $765.4M
Total Shares and Deposits SH0018 $776.0M
Total Non-Member Deposits SH0880 $10.5M
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 50
NCUA data file FS220S (3 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Atomic Credit Union, Inc., NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Located in Metropolitan Statistical Area (MSA) PR0001 $1
home purchase loan or refinanced a home purchase loan PR0002 $1
Originated closed-end mortgages in each of the two preceding calendar years or originated open-end lines of credit in each of the two preceding calendar years in excess of the HMDA Loan-Volume Threshold? PR0003 $1

Atomic Credit Union, Inc. call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Atomic Credit Union, Inc. call report?

The Atomic Credit Union, Inc. call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Atomic Credit Union, Inc. file?

Atomic Credit Union, Inc. files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Atomic Credit Union, Inc. call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Atomic Credit Union, Inc. is 63532.

How often does Atomic Credit Union, Inc. file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Atomic Credit Union, Inc. financials and ratios →

New to the 5300? What the NCUA 5300 call report is.