# ATLANTIC FINANCIAL
HUNT VALLEY, MD · NCUA charter 6652 · asset band $50-100M · latest filing 2024-12 · stopped filing after 2024-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/atlantic-financial-6652

Who the members are: federal charter, community charter, organized 1950, low-income designated. 8,703 members of 1,844,000 potential (0.5% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $99.2M |
| Members | 8,703 (-4.2% YoY) |
| Full-time staff | 26 |
| Net worth | $10.3M |
| Net worth ratio | 10.3% (p27 of band) |
| ROA (annualized) | -0.52% (p4 of band) |
| Total delinquency | 2.15% (p92 of band) |
| Net charge-offs (annualized) | 0.74% (p83 of band) |
| Loans / shares | 67% (p53 of band) |
| Cash / assets | 14.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.02% (p29 of band) |
| Operating expense / assets | 4.72% (p85 of band) |
| Vehicles % of loans | 21% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 2% (p53 of band) |
| Vehicle delinquency | 0.81% (p62 of band) |
| Vehicle NCO | 1.97% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 25% |
| Average share balance | $4,964 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 35% |
| Average loan balance | $12,208 |
| Loans granted, annualized | $20.9M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 2 | delinquency 2x band |  |
| 2017-12 | 1 |  | delinquency 2x band |
| 2018-03 | 1 | delinquency 2x band | charge-offs p90 |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 0 |  | delinquency 2x band, net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency 2x band |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | delinquency 2x band |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 2 | delinquency rising | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | charge-offs p90 | delinquency rising |
| 2022-03 | 3 | losing money |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | assets shrinking |  |
| 2022-12 | 5 | delinquency rising |  |
| 2023-03 | 4 |  | delinquency rising |
| 2023-06 | 7 | net worth falling, delinquency rising, members leaving |  |
| 2023-09 | 6 |  | net worth falling |
| 2023-12 | 4 |  | charge-offs p90, delinquency rising |
| 2024-03 | 6 | net worth falling, delinquency rising |  |
| 2024-06 | 5 |  | delinquency rising |
| 2024-09 | 3 |  | assets shrinking, net worth falling |
| 2024-12 | 3 |  |  |

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

- 2025-01-20 [Atlantic Financial Federal Credit Union Members Approve Merger with Freedom Federal Credit Union - I95 Business](https://news.google.com/rss/articles/CBMiTkFVX3lxTE1KZm8zdHdpQkg1MEtteFR3cEMtRFl1TWl5N0tFbjBWQ0FZSTBPQVdFZ2dTR2dkdGVGRzBOdGh6V2pzRm50aUctTmZzV0dBUQ?oc=5) · I95 Business
- 2014-07-14 [Kaitlin Rankin | Atlantic Financial Federal Credit Union - Maryland Daily Record](https://news.google.com/rss/articles/CBMimAFBVV95cUxNcmluV2dNNncxZWIzelN3QjJGS0VhOFI5Q3JrbmliVlh4VDhSWV9TQkpZckNra1F5SmE2QzR5d2NMcVdzQmpJRng0cEx3R0NlV0ZUNjVmQzRwMXhtNDZ3Nk1XM2xKb3E2LUJZUXlYZ0ZFMTV2V0xFU0R2RExMTVo3MkxrQzRVbGk5TTFIZHZmdXpURHk4c3RfeA?oc=5) · Maryland Daily Record
- 2025-08-14 [Marquis Who's Who Honors Tracey A. Jackson for Expertise in Consulting Services - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMiywFBVV95cUxPM0E3WHUyZmhXaXlHZTZlOGJRcmhyNklXNzZ4Rk9hZGdSUDlSMEQwd3ZCLW03QXJWNVJwSWp6Mmd2OUdWVDAxckFZN2NnLXNIVmFJRHRvaWdkcmxsN0hLcEI1cXV5YzlEaXd1YUhoZFZhU1FQcUNvN1YybWhLZnQxeDVYM1RES1JsenRWZGpCcUZRcXdIdmVVM21vUGljb1JRVzcxdnlLRk0xa09wTVNfRkNFVzZseV80aHNud0MyOE9tNXNORDNfbHp4Yw?oc=5) · 24-7 Press Release Newswire
- 2024-12-23 [Maryland bank to be acquired by credit union - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQTjRDQ0VwOEZ1RGRPZEZRQWF0RVZKWXB3MnY4Y1VpbnE5SkFPS2Nic2h3bTkyTTh0T0dnZ0pvTlppVU0waFJsUXdqZnBGemVVQmlZRXhwYTlTNVJtdGZIOHFWcVNRRmw3bW1YcEhPbWw3QkJXbEJQYWFMTXdQeHItMi0xOVZQX2p0TWQzSDgteVhEdHBwRXBfaFlERllkTmh5VUZSdy1lVQ?oc=5) · The Business Journals
- 2026-02-28 [Maureen D. "Fran Snellinger" French Obituary (2026) - York, PA - Emig Funeral Home & Cremation Center, Inc - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPdURaX2NWZTFpZDJGN1hFSmtUZW45OXFQQVZCS0RueWRmV1hrSWdRWk9xUFR5WWd4ZlR3SGVnYzFyNkZ4S3FBeUZEVGxOSTBsRGpwcVNFeXlpM0NQS1FubFpGNHVVYzdTYmpSZzc3UTUybUtZNHZBZUhIMzlLaFQyVDlHTQ?oc=5) · legacy.com
- 2025-01-22 [Biz Beat: Marquez Mexican Store opens, State of the County Breakfast Jan. 30 - Cecil Daily](https://news.google.com/rss/articles/CBMi8AFBVV95cUxPbGwtVlhIbzVJdHdkcmxzcUF6MEZMTXBoVWdtM0pqR3ZzTEdHanh3bkF0WG5vbVFnQkNqNEp5UW40dDByV2JES01UdXpnZHN5RVkyMHVRTkFodE51NzVkcXN0dTBQMUEwR2RGSFNrOWpudTVXcDl1UlM3YUFVVEEtamp3cjNyY0hSZF9Jako1ZXZmNTg2ckdwX19nNDE3YzhjR08xMjVLaUxua0dZVGF6SzJaMnZWR0Qta21ZVjI3bmxOTUNHNTlOQXpScURoR09hRDBZckxaOEt5cGo5Q2NhNFhia0pZbWVnVzgwdGlsVnk?oc=5) · Cecil Daily
- 2017-05-31 [Angie Barnett - Maryland Daily Record](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5nYUd1OGVLV0lfcEZzemlmRDhTZm5LZnBSVktlUDBXYl9ZMEtwUjJjbEd0UnhseHZ2Q3Z6blhYeHE1R2sxclEyc0J3MVlBcFA4VnpxWGRXSGtLd3p2MENQb09B?oc=5) · Maryland Daily Record
- 2024-03-27 [BizBeat: Creating Achievers launches in NE, Dimples Philly Cheesesteaks returns but in Elkton - Cecil Daily](https://news.google.com/rss/articles/CBMiiAJBVV95cUxQcVJQcUg4OXRhc0xTZGhXU0dfWWdzOURFU1I3dFg1TlA2SXJ1RDVmaHIyUnpRMWZaZ2FkVlJYbkt4a1AtVDBUNEFIQUxBTUZUbUxNOWxyMUJTT202b0MzUVd2TGNDUjdwYWZZbzJzRURocUFZTllwRHA5d0l3UkR4WmI2TjJSMTZmeEhXRTNoRUtFcTFzQ3d3MjVyNHVxY0ZtWWxTdG1RVzh0cWZwLTZ3TEpHNzJKckpPdnNiYkRtMDdMUVRJblRwSUJISDd5ZWtwdUhiQlR3VTFKWjdIZm83ZnRRLVhIT0JxeEQwUlQ2T2dhcHUyUU4wejdEZmRDcVIteEd2emZTbm4?oc=5) · Cecil Daily

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6652 (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/60.json (key "6652", 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=6652
- 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