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Overview / Commentary
513 Main Street
Athol, MA 01331

Athol Credit Union (MA) is headquartered in ATHOL and is the 58th largest credit union in the state of Massachusetts. It is also the 1,590th largest credit union in the nation. It was established in 1930 and as of December of 2013, it had grown to 17 employees and 6,786 members. Athol Credit Union (MA)'s money market rates are 93% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Individuals and their direct relatives who live, work or attend school in select towns in Franklin, Hampshire and Worcester counties in Massachusetts are eligible for membership. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Athol Credit Union (MA) has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Athol Credit Union (MA) had $734,000 in non-current loans and owned real-estate with $8.57 million in equity and loan loss allowances on hand to cover it. This gives Athol Credit Union (MA) a Texas Ratio of 8.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Athol Credit Union (MA) experienced no significant changes from 4.89% as of December 31, 2012 to 8.56% as of December 31, 2013, resulting in a negative change of 75.10%. This indicates that the balance sheet and financial strength for Athol Credit Union (MA) has had no significant changes in recent periods.

Deposit Growth


In the past year, Athol Credit Union (MA) has increased its total deposits by $5.98 million, resulting in 10.22% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Athol Credit Union (MA) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Athol Credit Union (MA) has $90.35 million in assets with $8.57 million in equity, resulting in a capitalization level of 9.49%, which is average.

Institution Statistics

NCUA #66819
Year Chartered1930
Primary Regulator
Assets and Liabilities
Assets$90.35 million
Loans$62.97 million
Deposits$64.42 million
Equity Capital$8.08 million
Loan Loss Allowance$491,000
Unbacked Noncurrent Loans$620,000
Real Estate Owned$114,000
Historic Data - December 2012
Assets$84.50 million
Equity Capital$9.19 million
Loan Loss Allowance$588,000
Unbacked Noncurrent Loans$620,000
Real Estate Owned$28,000
Profit Margin - Quarterly
Net Interest Margin4.11%
Return on Assets-0.03%
Return on Equity-0.38%
Interest Income$3.00 million
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Athol Credit Union (MA) Savings Account Rates

0.85%$25-Quabbin High-Yield Savings Account

Athol Credit Union (MA) Money Market Rates

0.85%$25-Quabbin High-Yield Money Market

Athol Credit Union (MA) CD Rates

1.25%$5k-36 Month Quabbin High-Yield CD
1.15%$5k-24 Month Quabbin High-Yield CD
1.05%$5k-12 Month Quabbin High-Yield CD
1.00%$5k-18 Month Quabbin High-Yield CD
1.00%$5k-30 Month Quabbin High-Yield CD
0.90%$1k-6 Month Quabbin High-Yield CD Special
0.75%$1k-6 Month Quabbin High-Yield CD

Athol Credit Union (MA) Locations
Branch Office513 Main StAthol, MA 01331-1825