State credit union · Athol, Massachusetts · NCUA charter #66819
ATHOL
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $97.7M
- Total assets
- 6,258
- Members
- 9.0%
- Net-worth ratio
ATHOL scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $97.7M; members 6,258; net-worth ratio 8.98%; health rank #3,610 of 4,374; healthier than 17th of scored peers.
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NCUA 5300 Call Report Masthead
#3,610 of 4,374 health · 2025Q4ATHOL · health 70/100 · $97.7M · 2025Q4
Call Report peers
ATHOL in the assets neighbourhood
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ATHOL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ATHOL sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for ATHOL
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +50.80 pp (113.40% vs 62.60%).
- Widest shortfall vs peers is Net Worth Ratio: -4.64 pp (8.98% vs 13.62%).
ATHOL: in-state Call Report ranks
- Massachusetts health ordinal: #109 of 126.
- Assets rank #60 of 126 inside Massachusetts ($97.7M reported).
- Massachusetts membership ordinal: #55 of 126.
- One place up in Massachusetts, CRANBERRY (#108) scores 71/100, 1 point higher; one place down, Norwood Town Employees (#110) scores 69/100, 1 point lower.
ATHOL Call Report trajectory
ATHOL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $97.7M (2025Q4) to $97.3M (2026Q1).
- Net-worth ratio shifted +0.05 pp (8.93% → 8.98%).
This credit union's 8.98% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
ATHOL gives up 30 points in total. Return on Assets costs the most, 9.6 of its 15; Delinquency Rate loses the least, 1.
- Net Worth Ratio 27.5 pts
- Delinquency Rate 24.0 pts
- Return on Assets 5.4 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 5.6 pts
Call Report ratios for ATHOL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.98% | -4.64 pp |
| Delinquency Rate | 0.60% | -0.37 pp |
| Return on Assets | 0.02% | -0.64 pp |
| Member Growth | -0.86% | - |
| Loan-to-Share Ratio | 113.40% | +50.80 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
ATHOL filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $97.3M | - |
| 2025Q4 | $97.7M | 6,258 |
| 2024Q4 | $94.9M | 6,312 |
| 2023Q4 | $90.3M | 6,712 |
Credit Union Details
- Charter Number
- 66819
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Massachusetts
- City
- Athol
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, ATHOL runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Athol, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Cross-state Call Report peers for ATHOL
Similar total assets
Using this data
- ATHOL ranks #3,610 of 4,374 nationally on financial health and #109 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Common Trust is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Common Trust
Frequently Asked Questions
Is ATHOL financially healthy?
On its 2025Q4 NCUA 5300 filing, ATHOL scores 70/100 (Very Good), with a 8.98% net worth ratio and 0.60% of loans delinquent. It ranks #3,610 of 4,374 nationally on health and #109 of 126 in Massachusetts.
How does ATHOL compare to other credit unions?
ATHOL scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (113.40% vs 62.60%). Its widest shortfall is net worth ratio (8.98% vs 13.62%).
How can I join ATHOL?
Membership eligibility for ATHOL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ATHOL directly for current membership requirements and application steps.
Is my money safe at ATHOL?
ATHOL 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. ATHOL's net worth ratio of 8.98% 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.