ATHENS AREA
Charter #67243 · ATHENS, WI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.29% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 61.41% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 70th — a 25-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 | ATHENS AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $49.52M | 100th pct | 82th pct |
| Members | 2,967 | 75th pct | 66th pct |
| Net worth ratio | 13.14% | 46th pct | 70th pct |
| Return on average assets | 1.29% | 79th pct | 84th pct |
| Net interest margin | 3.00% | 16th pct | 28th pct |
| Cost of funds | 0.81% | 48th pct | 48th pct |
| Loan-to-share | 39.73% | 21th pct | 25th pct |
| Delinquency 60+ days | 0.71% | 56th pct | 62th pct |
| Net charge-off ratio | 0.07% | 44th pct | 59th pct |
| Loan growth YoY | -0.61% | 65th pct | 62th pct |
| Share growth YoY | 2.89% | 54th pct | 46th pct |
| Efficiency ratio | 61.41% | 13th pct | 13th pct |
structural peer set hash: f14c74c4580ced8b78759ff0c08c5467… (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.