Z — UnclassifiedEIN: 041046540· Ruling Year: 1935

Athol Credit Union

Athol, Massachusetts

BHealth Score
63B

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Above Average

How This Organization Compares

Compared to 22 peers in Unclassified with $1M-$10M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org1.87×
Peer Median15.40×
💰
$4.6M
Total Revenue
📊
$4.4M
Total Expenses
🏦
$8.2M
Net Assets
📋
$82.1M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+10.7%
Year-over-year change (2022 → 2023)
Net Margin
+5.2%
Revenue minus expenses as % of revenue
Working Capital Ratio
1.87
Net assets divided by total expenses
Liabilities-to-Assets
90.9%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$4,642,872↑11%$4,399,277↑28%$90,278,013↑6%
2022$4,194,178↑15%$3,449,455↑7%$84,943,474↑7%
2021$3,643,738↑6%$3,225,647↓7%$79,397,354↑1%
2020$3,437,018↓8%$3,461,203↓21%$78,897,446↓16%
2019$3,728,865↓4%$4,384,402↑10%$93,689,380↓2%
2018$3,872,269↑6%$3,970,030↑3%$95,457,018↓9%
2017$3,670,023↑1%$3,838,996↑6%$104,484,619
2016$3,648,738↑14%$3,622,088↓2%$105,003,662↑8%
2015$3,198,854↓4%$3,701,273↑7%$96,839,129↑7%
2014$3,319,028↓6%$3,448,402↓3%$90,790,643
2013$3,516,872↓4%$3,548,492↓7%$90,348,194↑7%
2012$3,668,678↓5%$3,807,267↓8%$84,502,228↑5%
2011$3,849,185$4,157,896$80,622,194

Frequently Asked Questions

What does Athol Credit Union do?▼

Athol Credit Union is a unclassified nonprofit organization based in Massachusetts. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Athol Credit Union financially healthy?▼

Based on our 9-metric Financial Health Score model, Athol Credit Union has a score of 63/100 (Grade: B). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Athol Credit Union generate?▼

Athol Credit Union reports $5.3M in annual revenue and holds $94.9M in total assets, based on IRS filings.

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