THE INSTITUTION'S SCORE
Capital works as a cushion against losses and affords protection for members during times of economic trouble for the credit union. Therefore, a credit union's level of capital is an important measurement of its financial strength. From a safety and soundness perspective, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, ATOMIC received a score of 8 out of a possible 30 points, lower than the national average of 15.65.
ATOMIC appears to be weaker than its peers in this area, with a capitalization ratio of 8.00 percent in our test, lower than the average for all credit unions.