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
- ASSETS 86/100
- MEM 13.1%
- RANK 0.69%
- PHOTO 1.13%
- BOOK $49.4M
- CHARTER 2,966
- NCUSIF #1,791/4,374
- CAMELS HASTINGS
- HEALTH 67243
Call Report peers
Athens Area in the assets neighbourhood
Athens Area's $49.4M assets sit next to HASTINGS ($49.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Athens Area vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67243: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Athens Area's 5300 filing moved
Athens Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $49.4M (2025Q4) to $49.5M (2026Q1).
- Net-worth ratio shifted +0.28 pp (12.86% → 13.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Athens Area's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($49.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Athens Area financially healthy?
Athens Area has a financial health score of 86/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,791 of 4,374; by total assets it ranks #2,409 of 4,374 nationally (same basis as /rankings/largest); and #65 of 100 within Wisconsin. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.14% and delinquency rate of 0.69%.
How does Athens Area compare to other credit unions?
Five weighted metrics from NCUA filings produce Athens Area's 86/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Athens Area are 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."
What rates does Athens Area offer compared to banks?
Credit unions like Athens Area are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Athens Area directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.