Credit union · NCUA insured
Athens Area CU
A $49.5M credit union headquartered in Athens, WI, with 2,967 members and 1 branch in Wisconsin. Best rates: CDs 2.90% and savings 0.50% APY.
Athens Area CU Carrot Score
85
Carrot Score
Higher than 68% of U.S. banks and credit unions
#6 of 23 in Wausau, WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Athens Area CU
Based in Athens, Wisconsin, Athens Area Credit Union is a member-owned financial cooperative.
Formed in May 1959 as Athens CO-OP Credit Union, the institution changed its name to Athens Area Credit Union in April 1990.
As part of the Athens CO-OP, it was established to grant loans aiding the local community with farm supplies and equipment purchases.
- Headquarters
- 112 Alfred St, PO Box 98, Athens, WI 54411
- NCUA charter
- 67243
Branches
1 branch in Wisconsin
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Wisconsin
1 branch
- Athens Area Credit UnionMain office112 Alfred St, 98, PO Box 98, Athens, WI 54411Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.35% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.63% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.25% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $41 | $59 | — |
- CapitalNet worth ratio13.35%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.63%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.25%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$41Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Athens Area CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.