ZUnclassifiedEIN: 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$4,642,87211%$4,399,27728%$90,278,0136%
2022$4,194,17815%$3,449,4557%$84,943,4747%
2021$3,643,7386%$3,225,6477%$79,397,3541%
2020$3,437,0188%$3,461,20321%$78,897,44616%
2019$3,728,8654%$4,384,40210%$93,689,3802%
2018$3,872,2696%$3,970,0303%$95,457,0189%
2017$3,670,0231%$3,838,9966%$104,484,619
2016$3,648,73814%$3,622,0882%$105,003,6628%
2015$3,198,8544%$3,701,2737%$96,839,1297%
2014$3,319,0286%$3,448,4023%$90,790,643
2013$3,516,8724%$3,548,4927%$90,348,1947%
2012$3,668,6785%$3,807,2678%$84,502,2285%
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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