Credit Union Safety Analysis
Is W T N M Atlantic Federal Credit Union Safe? Denver City, Texas
Based on its Q2 2026 NCUA 5300 call report, W T N M Atlantic Federal Credit Union has a net worth ratio of 21.20%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 6.76%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, W T N M Atlantic Federal Credit Union's net worth ratio is 21.20%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 21.20%
- Delinquency ratio (60+ days) (Q2 2026): 6.76%
- Return on assets (Q2 2026): 1.32%
- Loan-to-share ratio (Q2 2026): 64.05%
W T N M Atlantic Federal Credit Union (NCUA charter 7677, established 1952) reported $2.1M in assets and 462 members for Q2 2026 from Denver City, Texas. It ranks 364 of 377 credit unions in Texas by total assets. Total assets grew 7.1% from $2.0M on June 30, 2025. It has 4 more members than on June 30, 2025 (+0.9%). Its net worth ratio was down 0.33 percentage points from 21.53% on June 30, 2025. Used vehicle loans are its largest loan category, $424K of $1.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 6.76% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 23.95% for Q1 2026; 21.53% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 8.82% for Q1 2026; 8.34% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.58% for Q1 2026; 0.71% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 76.69% for Q1 2026; 85.83% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $424K
- Other unsecured loans and lines of credit: $241K
- New vehicle loans: $215K
- Other secured non-real estate loans and lines of credit: $189K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.1M | 21.20% | 6.76% | 1.32% | 64.05% |
| March 31, 2026 | $1.9M | 23.95% | 8.82% | 0.58% | 76.69% |
| December 31, 2025 | $1.8M | 24.31% | 8.60% | 0.64% | 87.41% |
| September 30, 2025 | $1.9M | 23.19% | 8.46% | 2.22% | 87.36% |
| June 30, 2025 | $2.0M | 21.53% | 8.34% | 0.71% | 85.83% |
| March 31, 2025 | $2.1M | 20.65% | 8.84% | 2.07% | 86.43% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
W T N M Atlantic Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 7677) · FFIEC NIC profile (RSSD 54786)
Frequently asked questions
Is W T N M Atlantic Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, W T N M Atlantic Federal Credit Union's net worth ratio is 21.20%, above the 7% NCUA threshold for well capitalized.
Is W T N M Atlantic Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. W T N M Atlantic Federal Credit Union is a federally insured credit union (NCUA charter 7677): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are W T N M Atlantic Federal Credit Union's key safety ratios?
For Q2 2026, W T N M Atlantic Federal Credit Union reports net worth 21.20%, delinquency 6.76%, ROA 1.32%, loan-to-share 64.05%.
What happens to my money if W T N M Atlantic Federal Credit Union fails?
For Q2 2026, W T N M Atlantic Federal Credit Union held $1.7M in shares and deposits for 462 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.