Overview / Commentary
Athol Credit Union is headquartered in Athol and is the 60th largest credit union in the state of Massachusetts. It is also the 1,874th largest credit union in the nation. It was established in 1930 and as of March of 2025, it had grown to 21 employees and 6,377 members at 1 location. Athol Credit Union has a B health rating.
Field of Membership Restrictions
Athol Credit Union is open to anyone who lives, works, or attends school in the Massachusetts counties of Franklin, Hampshire, or Worcester. Immediate family members of a current Athol Credit Union are also eligible to join.
See current membership details
Health
B
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Athol Credit Union has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 66819 |
| Year Chartered | 1930 |
| Employees | 21 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.45% |
| Return on Equity - YTD | -5.25% |
| Annual Interest Income | $1.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $95.3MM$89.8MM |
| Loans | Q1 2025vs Q1 2024 | $83.7MM$79.8MM |
| Deposits | Q1 2025vs Q1 2024 | $73.7MM$73.1MM |
| Equity Capital | Q1 2025vs Q1 2024 | $8.1MM$8.2MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $294K$326K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $443K$326K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |