Denver City, Texas · Peer group 1
W T N M Atlantic Credit Union
W T N M Atlantic Credit Union holds $1.9M in assets across 469 members as of Q1 2026 — about $4K of assets per member, on a charter dating to 1952. Charter number 7677, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.9M |
|---|---|
| Total loans | $1.1M |
| Total shares (deposits) | $1.4M |
| Net worth | $446K |
| Members | 469 |
| Assets per member | $4K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -9.8% | |
|---|---|---|
| Loans | -23.0% | around the 19th percentile of its peer group |
| Deposits | -13.3% | around the 16th percentile of its peer group |
| Members | 2.4% | around the 86th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 76.7% | around the 76th percentile of its peer group |
|---|---|---|
| Net worth ratio | 23.9% | around the 68th percentile of its peer group |
| Return on assets | 0.58% | around the 57th percentile of its peer group |
| Delinquency ratio | 8.82% | around the 81st percentile of its peer group |
| Cash / assets | 20.4% | around the 31st percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is W T N M Atlantic Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- St. Luke's Community Credit Union
Houston, TX
$1.9M · 301 members
- Highway Employees Credit Union
Tyler, TX
$1.8M · 431 members
- American Baptist Association Credit Union
Angleton, TX
$1.8M · 391 members
- Salt Employees Credit Union
GRAND SALINE, TX
$1.5M · 315 members
- Lehrer Interests Credit Union
GARWOOD, TX
$2.3M · 101 members
- Faith Cooperative Credit Union
Dallas, TX
$2.3M · 996 members
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