# ATRIUM
Middletown, OH · NCUA charter 63446 · asset band <$50M · latest filing 2025-03 · stopped filing after 2025-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/atrium-63446

Who the members are: state charter, organized 1958. 997 members of 6,000 potential (16.6% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *quiet fade*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.8M |
| Members | 997 (-6.2% YoY) |
| Full-time staff | 3 |
| Net worth | $1.3M |
| Net worth ratio | 11.7% (p32 of band) |
| ROA (annualized) | 0.75% (p55 of band) |
| Total delinquency | 0.40% (p43 of band) |
| Net charge-offs (annualized) | 0.29% (p66 of band) |
| Loans / shares | 51% (p37 of band) |
| Cash / assets | 41.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.26% (p66 of band) |
| Operating expense / assets | 4.34% (p71 of band) |
| Vehicles % of loans | 54% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.70% (p59 of band) |
| Vehicle NCO | 0.05% (p69 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 1% |
| Average share balance | $4,977 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $7,484 |
| Loans granted, annualized | $943,868 |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 0 |  | auto monoline |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 4 | net worth falling, margin squeeze, delinquency rising, members leaving |  |
| 2017-06 | 3 |  | margin squeeze |
| 2017-09 | 2 | auto monoline | net worth falling, delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 1 |  | members leaving |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | losing money |  |
| 2019-06 | 0 |  | auto monoline, losing money |
| 2019-09 | 2 | delinquency rising, assets shrinking |  |
| 2019-12 | 1 |  | assets shrinking |
| 2020-03 | 3 | losing money, members leaving |  |
| 2020-06 | 4 | net worth falling, margin squeeze | members leaving |
| 2020-09 | 3 |  | delinquency rising |
| 2020-12 | 4 | members leaving |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | margin squeeze |
| 2022-03 | 5 | thin capital, 3rd-party paper>100% NW |  |
| 2022-06 | 2 |  | losing money, net worth falling, thin capital |
| 2022-09 | 4 | thin capital, delinquency rising, loan book shrinking | 3rd-party paper>100% NW |
| 2022-12 | 0 |  | members leaving, thin capital, delinquency rising, loan book shrinking |
| 2023-03 | 1 | assets shrinking |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | members leaving |  |
| 2024-06 | 1 | delinquency rising | assets shrinking, members leaving |
| 2024-09 | 2 | assets shrinking, members leaving | delinquency rising |
| 2024-12 | 2 | delinquency rising | assets shrinking |
| 2025-03 | 2 | assets shrinking | delinquency rising |

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

- 2026-04-20 [Large Dayton credit union adds Kettering facility to support rapid growth - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNcW12dVZLbGhoY3NydzI5ODNNYUtfMVprZU1DdzQyRFRHTHdBcGRMMkVONW91bE5vUHp1b3d3andRY1B4NVc5MnNHazZGNDc0cDVHYUZIQi1BMmNjWHVtcGxXbGJKbldqTTZ1VlBabWRJbldzSTNMNU9QUXhsVUdIWWdLX2ZCbE9qZTE4WlVfbGt6bXhVQjhKLXEwcnpMdW84d3lRRA?oc=5) · The Business Journals
- 2026-08-13 [$2.1M Atrium Health data privacy class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQVFljbi1xQks0ZFVtYUxCaE12cGE5SWJDajhpQUFLRU9kLVhyWnNFdkNhdnpJV2JEaEljRmpGZV9ieEdiSXh5bHlES0Jyb1NfcXJUTjhPZDJYVWJ6d1pEUmdMZ2Y3cnd5U3pqWjVXREFBbUlybXdvN0hqekN0aWUtT3ZKZjNjVU1Mb3N3N3ZGNDM1b3JjdHV3cWZ0Q3lGUFdyVU95a24yQXZHczhRbTQwWlhIVmEtUGZLSGlLWG5wNG4yaVZQMy1GVQ?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63446 (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/22.json (key "63446", 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=63446
- 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