ATHOL
Charter #66819 · Athol, MA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.98% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of -0.34% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 0.49% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 106.24% sits at the 93rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 97th percentile but its structural peers at the 28th — a 69-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ATHOL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $97.34M | 97th pct | 28th pct |
| Members | 6,279 | 71th pct | 39th pct |
| Net worth ratio | 8.98% | 11th pct | 16th pct |
| Return on average assets | -0.34% | 8th pct | 10th pct |
| Net interest margin | 3.52% | 39th pct | 56th pct |
| Cost of funds | 0.49% | 23th pct | 5th pct |
| Loan-to-share | 110.76% | 100th pct | 92th pct |
| Delinquency 60+ days | 0.66% | 53th pct | 49th pct |
| Net charge-off ratio | 0.08% | 29th pct | 30th pct |
| Loan growth YoY | 3.67% | 88th pct | 77th pct |
| Share growth YoY | 2.40% | 44th pct | 39th pct |
| Efficiency ratio | 106.24% | 97th pct | 93th pct |
structural peer set hash: ad8b1ba00b2ce6502cc2bdbc1613441a… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.