Athol
Athol, MA · Charter 66819 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$99.2MAssets
$87.1MLoans
$77.5MShares
$8.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 34% of credit unions under $1B in assets (rank 1111 of 1683).
- Widest gap: efficiency ratio trails 94% of credit unions under $1B in assets (rank 1586 of 1682).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.30%
Rank 1,551 of 1,683
Net Interest Margin
3.51%
Rank 1,111 of 1,683
Efficiency Ratio
104.32%
Rank 1,586 of 1,682
Equity / Assets
8.57%
Rank 1,563 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.30% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,551 / 1,683 | |
| Return on Equity | -3.46% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,577 / 1,681 | |
| Net Interest Margin | 3.51% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,111 / 1,683 | |
| Efficiency Ratio | 104.32% | 68.91% | 78.20% | 86.93% | Beats 6% | 1,586 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.20% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,233 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.57% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,563 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.57% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,563 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 112.35% | 52.61% | 69.38% | 83.50% | 99th pctl | 14 / 1,683 | |
| Loans / Assets | 87.83% | 44.71% | 59.18% | 70.72% | 99th pctl | 18 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |