# ATHOL
Athol, MA · NCUA charter 66819 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/athol-66819

Who the members are: state charter, organized 1930, low-income designated. 6,279 members of 300,000 potential (2.1% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $97.3M |
| Members | 6,279 (-1.5% YoY) |
| Full-time staff | 26 |
| Net worth | $8.5M |
| Net worth ratio | 8.8% (p9 of band) |
| ROA (annualized) | -0.34% (p8 of band) |
| Total delinquency | 0.66% (p53 of band) |
| Net charge-offs (annualized) | 0.08% (p29 of band) |
| Loans / shares | 111% (p100 of band) |
| Cash / assets | 4.9% |
| Borrowings / assets | 10.79% |
| Net interest margin | 3.53% (p43 of band) |
| Operating expense / assets | 4.21% (p72 of band) |
| Vehicles % of loans | 15% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 1% (p54 of band) |
| Vehicle delinquency | 0.19% (p24 of band) |
| Vehicle NCO | 0.30% (p55 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 76% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 31% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 42% |
| Average share balance | $9,275 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $19,635 |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $35,626 |
| Loans granted, annualized | $19.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $19,635 outstanding purchased (0.2% of net worth), $1.2M sold and retained. Sold in 2 and bought in 0 of the last 8 quarters. Shares 5.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, delinquency 2x band, loans>95% of shares, leaning on borrowings |  |
| 2016-06 | 5 | repo signal |  |
| 2016-09 | 3 |  | delinquency 2x band, repo signal |
| 2016-12 | 4 | net worth falling |  |
| 2017-03 | 6 | losing money, 3rd-party paper>100% NW |  |
| 2017-06 | 6 |  |  |
| 2017-09 | 5 |  | net worth falling |
| 2017-12 | 5 |  |  |
| 2018-03 | 4 |  | losing money |
| 2018-06 | 5 | assets shrinking |  |
| 2018-09 | 6 | losing money |  |
| 2018-12 | 6 |  |  |
| 2019-03 | 6 |  |  |
| 2019-06 | 8 | net worth falling, delinquency rising |  |
| 2019-09 | 8 |  |  |
| 2019-12 | 8 | delinquency 2x band | assets shrinking |
| 2020-03 | 7 | assets shrinking | net worth falling, delinquency 2x band |
| 2020-06 | 6 |  | delinquency rising |
| 2020-09 | 5 |  | thin capital |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 | thin capital, net worth falling | losing money, assets shrinking |
| 2021-06 | 3 |  | 3rd-party paper>100% NW, net worth falling |
| 2021-09 | 1 |  | leaning on borrowings, thin capital |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 1 | net worth falling | loans>95% of shares, delinquency rising |
| 2022-06 | 1 | loans>95% of shares | net worth falling |
| 2022-09 | 2 | delinquency 2x band, delinquency rising | loans>95% of shares |
| 2022-12 | 2 | loans>95% of shares | delinquency 2x band |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | leaning on borrowings | delinquency rising |
| 2023-12 | 3 | net worth falling |  |
| 2024-03 | 4 | losing money, members leaving | net worth falling |
| 2024-06 | 4 | margin squeeze | members leaving |
| 2024-09 | 6 | net worth falling, delinquency rising, members leaving | margin squeeze |
| 2024-12 | 4 |  | losing money, delinquency rising |
| 2025-03 | 5 | thin capital, losing money | members leaving |
| 2025-06 | 2 |  | net worth falling, thin capital, losing money |
| 2025-09 | 3 | members leaving |  |
| 2025-12 | 4 | thin capital, net worth falling | members leaving |
| 2026-03 | 5 | losing money |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-07-07 [New Leaders You Should Know: Courtney Fifield - Business NH Magazine](https://news.google.com/rss/articles/CBMikAFBVV95cUxNYk5aRmZQRklXR01JWUZFZTdhNFQ2dGFmSmlVdU5RMk5zamU5YkR1RVdSSElaUDkxZmVXSkM5LW80STl6MXhSRURybXdtQkNnZVRGc0RadmFpNjMyQVVXMVFtZzk1Zi14eHVRdUJXYkxDelF3RFZiLURTZDB3WEEzVGdJemxlaTR3YWdFMEhyTU4?oc=5) · Business NH Magazine
- 2023-07-13 [Four local banks participating in Lift Up Homeownership program - Greenfield Recorder](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQekx3X0c5U0FaN0M3QUxvcEQwQVBDNHVmWDlNU1hUdDg5TjZxYU5JendHR3Q3NENyTFczemZtbmhPWlR1VUJVTkZSRXJLZWdwaHpYcDd2dkxVM2ZxdTlndE9mcGphN294dzZUY1I1dnpfc1lleEtxTlptNmtpN29lSVBqOTAtSF9UV3p1dlUxT25UeDM2X2x5bjEwemNSYzF5Mk12aDR6VGo?oc=5) · Greenfield Recorder
- 2020-08-26 [Insider takes the helm at small Mass. credit union - americanbanker.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQM1JJRlVKcVlsT1JsM1NRcTkyMWZtZzc5ZDZhRTQ2SERxQTF6eDk2T1lmQ09lb2RUb3gyUE9fQlM2eXhIWUw1dnR3cGdhRHktNWl6UW11NU55MmZjbHdTeE5JY0FkSHNiVXB5aVZvcmNQT0phRE1ZVWF5WXREZ0M2YW5fSG1GN29Od29sNUp6MmY3YW12aEZtN1p5U2d1Qms?oc=5) · americanbanker.com
- 2023-09-15 [April Custeau Obituary Sep 12, 2023 - Mack Family Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5fWnE1Ti1kRjdzME5GNG03amRja19DYVlQeHpja1QxeDJpT28zZ2xSQUQyN1kyUzFaVmd6dlgwOEd0RkZPOEJtanlrUkRxdXROeXh0OUd6MEY5b1p3UkFHS2h5SQ?oc=5) · Mack Family Funeral Homes
- 2023-04-20 [Christine M. Goss Obituary Apr 20, 2023 - Mack Family Funeral Homes](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBUaWRJd1hfeVR1ZXJ3VEpRVjBpQmI4Ty04VjVUOXcxTHdvdVQzb3RMV0RJdk9GRG8zV0ZJSlFvVnB2S2JYSVlEZENhdHhaSS03X1pBaDR2MUVINVNLM0Q0T1YxdHU?oc=5) · Mack Family Funeral Homes
- 2024-01-04 [Herbert Wheeler Obituary (1953 - 2023) - Athol, MA - Athol Daily News - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNSkx0NDBpcmx6MGJIbW5nMjMyMzNUWWZWZF9lWHBwemljTlA4N0hJMW8yeE42ZHpWRFpPQUJmU2gxeGdCeld6aUxFRXg4SEU2bXJmVDQwemRSSlNQVll4bThjUEM0d0tIREpZTDI1OFFabTdGbkVZRUF1NTEyVjFTVzI0MEEzRTY2UnVMYnNOcWhKRGx0YTVmeg?oc=5) · legacy.com
- 2020-08-24 [Linda Jillson Obituary Aug 24, 2020 - Mack Family Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1wTUd0TC1fd2Rqam1nalAzZ2RIZHJTZ0xaaTZrUTd1Z2E3Vnc4dFhtV0ZEb2dzWlc1cFAtdEpaZXM2YzBxNkdRVG1mZ2M4ZUhHdERwVTE3NmFGa293eEhrb21kcw?oc=5) · Mack Family Funeral Homes
- 2022-03-24 [Richard Plotkin Obituary (2022) - Athol, MA - Athol Daily News - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQcFg3TDFiQjNVR18zTXdnU2U3aFc2bmlGNWp3NlZJYl9CX0hkbDRpZHVleEI2TUg5YlUyaUFBd0lnUGNvU3c2Z0QyeWdYU2lqellVRE0yRGxYcUtGdWNOa0tyeEZBWG9DY01wSDc3NVZGSmxTTS1mOXpDd05SVDVSZEg1aVAzWmtnZ2VlaTV5QWwzOHR2TV9CNw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66819 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/3.json (key "66819", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66819
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide