Sep, 30, 2025 — ATHOL CREDIT UNION is a federally insured state chartered credit union headquartered in ATHOL, MA with 1 branch location and about $94.42 million in total assets. Opened 96 years ago in 1930, ATHOL CREDIT UNION has about 6,211 members and employs 25 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ATHOL CREDIT UNION |
|---|---|
| Address: (Main Office) | 513 Main St ATHOL, MA 01331-1825 |
| Phone: | (978) 249-3527 |
| Fax: | (978) 249-3448 |
| Website: | https://www.atholcreditunion.com |
| Branches: | 1 branch locations |
| Members: | 6,211 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 66819 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1930 |
| Last Audited: | Jun 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $94,419,386 |
| CEO/Manager: | Luis Cisneros |
| Chairperson: | Lisa M Carey |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,999,488 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 64,092,333 |
| Unsecured Loans | 4,881,634 |
| Other Loans | 13,846,583 |
| TOTAL LOANS | 82,820,554 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -257,710 |
| Land And Building | 606,563 |
| Other Fixed Assets | 209,232 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 665,528 |
| All Other Assets | 0 |
| TOTAL ASSETS | 94,419,386 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 2,157 |
| Notes & Interest Payable | 9,500,000 |
| Accounts Payable & Other Liabilities | 904,253 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 12,756,968 |
| Regular shares | 23,919,626 |
| All Other Shares & Deposits | 39,023,143 |
| TOTAL SHARES & DEPOSITS | 75,699,737 |
| TOTAL LIABILITIES | 86,106,147 |
| Regular Reserve | 0 |
| Other Reserves | 1,571,369 |
| Undivided Earnings | 6,741,870 |
| TOTAL EQUITY | 8,313,239 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 94,419,386 |
| INCOME & EXPENSE | |
| Loan Income | 3,546,882 |
| Investment Income | 159,984 |
| Other Income | 401,687 |
| Total Employee Compensation & Benefits | 1,270,810 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,284,367 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 152,465 |
| Cost of Funds | 1,383,788 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 41,803 |
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