A question for individual opinion, for sure.

I'll go with anyone who swings a leg over a bike (in our context here) is an athlete. They participate in athletics. Being an athlete doesn't mean you're a competitive athlete (either in competitive events or possess the prowess to outperform others). There are so many types of athletes: professional, amateur, collegiate, high school, juvenile, etc. They're even further subdivided into their sports.

Someone who enjoys taking part in sports, and does so, is an athlete. That doesn't mean they're necessarily "athletic".

So, let's raise a brew to celebrate being an athlete!