# ATL
WYOMING, MI · NCUA charter 24827 · asset band <$50M · latest filing 2021-09 · stopped filing after 2021-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/atl-24827

Who the members are: federal charter, community charter, organized 1956, low-income designated. 1,800 members of 10,500 potential (17.1% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $15.3M |
| Members | 1,800 (5.2% YoY) |
| Full-time staff | 5 |
| Net worth | $1.2M |
| Net worth ratio | 7.5% (p10 of band) |
| ROA (annualized) | -0.84% (p7 of band) |
| Total delinquency | 0.56% (p56 of band) |
| Net charge-offs (annualized) | 1.55% (p95 of band) |
| Loans / shares | 65% (p75 of band) |
| Cash / assets | 12.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.29% (p81 of band) |
| Operating expense / assets | 6.01% (p96 of band) |
| Vehicles % of loans | 70% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 38% |
| Third-party paper % of net worth | 211% (p99 of band) |
| Vehicle delinquency | 0.81% (p70 of band) |
| Vehicle NCO | 2.38% (p98 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 18% |
| Average share balance | $3,853 |
| Participations bought / yr | $262,577 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $9,043 |
| Loans granted, annualized | $5.9M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 4 | losing money, expense trap, charge-offs p90 | delinquency 2x band, auto monoline |
| 2016-09 | 6 | net worth falling, delinquency 2x band, auto monoline | expense trap |
| 2016-12 | 5 |  | net worth falling |
| 2017-03 | 4 |  | charge-offs p90 |
| 2017-06 | 6 | net worth falling, delinquency rising |  |
| 2017-09 | 5 |  | delinquency rising |
| 2017-12 | 4 |  | net worth falling |
| 2018-03 | 3 |  | losing money |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | losing money |  |
| 2019-03 | 6 | net worth falling, charge-offs p90, members leaving | delinquency 2x band |
| 2019-06 | 8 | expense trap, assets shrinking, loan book shrinking | net worth falling |
| 2019-09 | 8 |  |  |
| 2019-12 | 7 | net worth falling | assets shrinking, loan book shrinking |
| 2020-03 | 6 | delinquency 2x band, assets shrinking | losing money, charge-offs p90, net worth falling |
| 2020-06 | 5 | thin capital, delinquency rising | members leaving, expense trap, assets shrinking |
| 2020-09 | 5 |  |  |
| 2020-12 | 4 |  | delinquency rising |
| 2021-03 | 6 | net worth falling, expense trap |  |
| 2021-06 | 5 |  | delinquency 2x band |
| 2021-09 | 8 | losing money, margin squeeze, charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-30 [BASKETBALL-WNBA-ATL-MIN/ - Lincoln Journal Star](https://news.google.com/rss/articles/CBMie0FVX3lxTFBrT3FlNjM2RU9rTlVrZDE2X1FEWEx6elV5TDlHc09wSGdTUnhfOU1PeXdVTVpJUWFnaW1mRzVMbkhqQ0VoczNfVlM3Wm1IckJJZ19fWVRLQ0ZiSlU2UlctN2JiWHpzTnRHTmhOUHAtblRVOTl0OEUwc1lzMA?oc=5) · Lincoln Journal Star
- 2021-05-27 [ATL Federal Credit Union & Honor Credit Union – building a bright future together - CUInsight](https://news.google.com/rss/articles/CBMiugFBVV95cUxQdFc0bnZ5Vk12MDIxclZWMEFhZnQxS096ZVhWZ0dJWVpWVmRreWZBVTZDU3VndUoxWTU0ZnlXRlJvWjFsSGJISGE4WV9qSnN6bElzaDhZVDhVeEd3TC1ndUUxZ2k0dkNZeExzZHFJVVpwRXZwR3BybHA5MUhlX29KTjFtVHVuMWJTX2dLNGlWM1l1YXI3LUJzMEdrOUpVRUExWURWejFIQjE1U1pCeDUzZ1pzSHdfQVVLWWc?oc=5) · CUInsight
- 2021-05-27 [Honor Credit Union to merge with smaller Michigan CU - American Banker](https://news.google.com/rss/articles/CBMipgFBVV95cUxQcmxBSlM2Yko2UDRXUVNDTG95TjJIZ3pPYVAtbmFtRUlCb1JNTS1LX0ZBVUg0UWVNMkRjN3diOG0ybi1URk1POUh1aUtKYWZuMnNwempqQ2pRMnl6QzlEdElxUGROU0h6X1ZmTmp0STFxXzQ1ZHhnSWJnSUlyVUxrOVphTDNJbGhjQ2xINHMzRVpwWjhOV1JPOFNBRktkTUJtTE9SN2FR?oc=5) · American Banker
- 2026-02-12 ['Vacancy' Era Ari Lennox Hosts ATL Album Listening Party - Bossip](https://news.google.com/rss/articles/CBMid0FVX3lxTE9kWXFRaVo0QUtONVN6SkdTc2M4ajhya3RDaWEyalo1ZzZ2ZWNMT04zLW9qLUlkcFo1RFAyWUtBX29BM19SeUtOTmsyTzRVSXdSUW8xV0EwU2dNSXRYQ3lKUXMwQ09teXA3WWRWbUxkeEw0WmUxN09v?oc=5) · Bossip
- 2016-06-14 [Man killed by police following credit union robbery has lengthy criminal record - WZZM13.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNYUoyR3ZjdHpRQk81c3AtY3Z0R1Z2R0RDMy1vN19CM3d2aHowZU9vZjFiaEJ6ck1UaEpQVTNjc0dOTGFPcHVFYjBxUUNvRDNMOWc5ZXhxbVM0d05wbktoT1FySUpDYldEcjRLeWhJU3FQcGQ4bUpqOTlRZEZaUmYtbERrQkFMVEk0Q3N6NXVNSEVjaVdfZndEX1htSUpfMWIxUHRtNFVONDRIdXBKQWpOVTQ1RjIxaEhCYnZXdENQOXp3WjZlVHR5eDVlU0VfZDg?oc=5) · WZZM13.com
- 2024-03-26 [80s on 8 Presents I Want My ’80s Tour with Rick Springfield & Special Guests - SiriusXM](https://news.google.com/rss/articles/CBMic0FVX3lxTFBkbW9YTEw5d3NpUENtR2x5bEFoZDVDU29nOFp1TmlqT3M5QWJvX2lxcWhqbENPQ05TaEVWNkJtc09uWnRUUmtsajVlZnR4ajNQZGx0YmNZTmJpTVlkeFR0UHdTMHFtb2xSeUNsVTZhTFowMDQ?oc=5) · SiriusXM

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24827 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/59.json (key "24827", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24827
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide