ATHOL Credit Union Profile

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ATHOL

Charter #66819 | NCUA Region 1 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (978) 249-3527

Fax: (978) 249-3448

Founding Date: N/A

Website: http://www.atholcreditunion.com

Personnel & Operations

President: Carey, Lisa

Manager: Cisneros, Luis

FT Employees: 24

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 1

Hours: M, T, W, F 830 a.m. - 430 p.m. Th 830 a.m.

Credit Union Profile Summary

ATHOL is a FISCU Credit Union. With a total of 6,402 members [1], this institution manages approximately $91,223,399 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.45% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -0.25% [1].

Financial Snapshot

Total Assets [1]
$91,223,399

Total economic resources.

Total Loans [1]
$80,947,169

Total value of outstanding loans.

Total Deposits [1]
$74,752,389

Total funds deposited by members.

Members [1]
6,402

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.45%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.16%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
108.29%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
-0.78%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
-0.25%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-2.01%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

513 Main St

Athol, MA, 01331-1825

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by ATHOL (Charter #66819).

Main Office

Main Office Main Office

Type: Corporate Office

513 Main St

Athol, MA 01331-1825

Phone: (978) 249-3527

Services: Member Services, ATM, Drive-Thru

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