Athens Area
Athens, WI · Charter 67243 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$49.9MAssets
$17.5MLoans
$42.9MShares
$6.7MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 89% of credit unions under $1B in assets (rank 189 of 1682).
- Widest gap: net interest margin trails 87% of credit unions under $1B in assets (rank 1465 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.25%
Rank 376 of 1,683
Net Interest Margin
2.98%
Rank 1,465 of 1,683
Efficiency Ratio
60.26%
Rank 189 of 1,682
Equity / Assets
13.35%
Rank 765 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 0.35% | 0.74% | 1.18% | Beats 78% | 376 / 1,683 | |
| Return on Equity | 9.34% | 2.67% | 5.89% | 8.74% | Beats 79% | 348 / 1,681 | |
| Net Interest Margin | 2.98% | 3.31% | 3.82% | 4.32% | Beats 13% | 1,465 / 1,683 | |
| Efficiency Ratio | 60.26% | 68.91% | 78.20% | 86.93% | Beats 89% | 189 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.26% | 0.65% | 1.29% | Beats 51% | 821 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.35% | 10.44% | 12.89% | 16.53% | Beats 55% | 765 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.35% | 10.44% | 12.89% | 16.53% | Beats 55% | 765 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 40.68% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,488 / 1,683 | |
| Loans / Assets | 35.02% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,467 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |