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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,610 of 4,374 health · 2025Q4ATHOL · health 70/100 · $97.7M · 2025Q4
- ASSETS 70/100
- MEM 9.0%
- RANK 0.60%
- PHOTO 0.02%
- BOOK $97.7M
- CHARTER 6,258
- NCUSIF #3,610/4,374
- CAMELS COMPASS
- HEALTH 66819
Call Report peers
ATHOL in the assets neighbourhood
ATHOL's $97.7M assets sit next to COMPASS ($97.7M) 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.
ATHOL 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
70 17th percentile higher than 17% 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
ATHOL - Share Insurance Coverage
Charter #66819's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ATHOL Call Report trajectory
ATHOL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $97.7M (2025Q4) to $97.3M (2026Q1).
- Net-worth ratio shifted +0.05 pp (8.93% → 8.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for ATHOL, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($97.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts 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 ATHOL financially healthy?
ATHOL scores 70/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,610 of 4,374; by total assets it ranks #1,840 of 4,374 nationally (same basis as /rankings/largest); and #60 of 126 within Massachusetts. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.98% net worth ratio and a 0.60% delinquency rate.
How does ATHOL compare to other credit unions?
ATHOL scores 70/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like ATHOL 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. ATHOL's net worth ratio of 8.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ATHOL offer compared to banks?
Credit unions like ATHOL 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 ATHOL 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.