Athol Credit Union
| Fiscal year | Revenue | Expenses | Net | Reserve mo. | Staff % |
|---|---|---|---|---|---|
| 2020 | 3,437,018 | 3,461,203 | −24,185 | 24.8 | 32% |
| 2021 | 3,643,738 | 3,225,647 | 418,091 | 28.2 | 36% |
| 2022 | 4,194,178 | 3,449,455 | 744,723 | 27.8 | 35% |
| 2023 | 4,642,872 | 4,399,277 | 243,595 | 22.4 | 28% |
In its most recent public year (2023), this organization brought in $243,595 more than it spent. Its reserves stood at about 22.4 months of spending, down from 24.8 in 2020. Staff pay was 28% of spending.
Reserve months = net assets ÷ average monthly spending; net assets count everything the organization owns beyond its debts — buildings and donor-restricted funds included, not just cash. Staff pay = salaries, wages, and officer compensation; it excludes benefits and payroll taxes. The IRS releases this data years after the fact — this organization's newest public year is 2023. Years refer to the calendar year in which the organization's fiscal year ended. Short-form filers do not publicly report donor-restricted balances or staffing costs. Source filings
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