State credit union · ATHENS, Wisconsin · NCUA charter #67243
Athens Area
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $49.4M
- Total assets
- 2,966
- Members
- 13.1%
- Net-worth ratio
Athens Area scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $49.4M; members 2,966; net-worth ratio 13.14%; health rank #1,791 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,791 of 4,374 health · 2025Q4Athens Area · health 86/100 · $49.4M · 2025Q4
Call Report peers
Athens Area in the assets neighbourhood
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Athens Area vs every NCUA-scored credit union
Athens Area sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Athens Area vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.46 pp (0.69% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 39.28% vs peer 59.80% (-20.52 pp).
Athens Area in Wisconsin
- In Wisconsin, health place is #67 of 100 on the same NCUA-ratio sort used nationally.
- Assets rank #65 of 100 inside Wisconsin ($49.4M reported).
- Wisconsin membership ordinal: #71 of 100.
- One place up in Wisconsin, Dairyland Power (#66) ties at 86/100; one place down, GUARDIAN (#68) ties at 86/100.
How Athens Area's 5300 filing moved
Athens Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $49.4M (2025Q4) to $49.5M (2026Q1).
- Net-worth ratio shifted +0.28 pp (12.86% → 13.14%).
13.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Athens Area gives up 14 points in total. Member Growth costs the most, 6.4 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.1 pts
- Return on Assets 15.0 pts
- Member Growth 8.6 pts
- Loan-to-Share Ratio 9.3 pts
Athens Area health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.14% | -1.72 pp |
| Delinquency Rate | 0.69% | -0.46 pp |
| Return on Assets | 1.13% | +0.43 pp |
| Member Growth | -0.24% | - |
| Loan-to-Share Ratio | 39.28% | -20.52 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Athens Area filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $49.5M | - |
| 2025Q4 | $49.4M | 2,966 |
| 2024Q4 | $45.9M | 2,973 |
| 2023Q4 | $47.5M | 2,962 |
Credit Union Details
- Charter Number
- 67243
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Wisconsin
- City
- ATHENS
- Data Quarter
- 2025Q4
Branch Location
Athens Area operates a single office in ATHENS, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| ATHENS AREA CREDIT UNION (Main Office) | ATHENS, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Athens Area ranks #1,791 of 4,374 nationally on financial health and #67 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Choice is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Choice
Frequently Asked Questions
Is Athens Area financially healthy?
On its 2025Q4 NCUA 5300 filing, Athens Area scores 86/100 (Excellent), with a 13.14% net worth ratio and 0.69% of loans delinquent. It ranks #1,791 of 4,374 nationally on health and #67 of 100 in Wisconsin.
How does Athens Area compare to other credit unions?
Athens Area scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.69% vs 1.15%). Its widest shortfall is loan-to-share ratio (39.28% vs 59.80%).
How can I join Athens Area?
Membership eligibility for Athens Area depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Athens Area directly for current membership requirements and application steps.
Is my money safe at Athens Area?
Athens Area is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Athens Area's net worth ratio of 13.14% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.