State credit union · Leominster, Massachusetts · NCUA charter #66699
All One
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $869.3M
- Total assets
- 36,759
- Members
- 8.8%
- Net-worth ratio
All One scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $869.3M; members 36,759; net-worth ratio 8.76%; health rank #2,485 of 4,374; healthier than 43rd of scored peers.
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NCUA 5300 Call Report Masthead
#2,485 of 4,374 health · 2025Q4All One · health 82/100 · $869.3M · 2025Q4
Call Report peers
All One in the assets neighbourhood
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All One vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); All One sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
All One vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 91.02% here, 83.90% peer average (+7.12 pp).
- Net Worth Ratio trails the peer set - 8.76% here, 11.18% peer average (-2.42 pp).
All One in Massachusetts
- Massachusetts health ordinal: #73 of 126.
- Massachusetts assets place: #14 of 126.
- Massachusetts membership ordinal: #18 of 126.
- One place up in Massachusetts, GFA (#72) ties at 82/100; one place down, St. Anthony of Padua (#74) scores 81/100, 1 point lower.
Quarter path for All One
All One: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $869.3M (2025Q4) to $864.4M (2026Q1).
- Net-worth ratio shifted +0.14 pp (8.62% → 8.76%).
8.76% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
All One gives up 18 points in total. Return on Assets costs the most, 6.2 of its 15; Loan-to-Share Ratio loses the least, 0.5.
- Net Worth Ratio 26.9 pts
- Delinquency Rate 22.2 pts
- Return on Assets 8.8 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for All One
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.76% | -2.42 pp |
| Delinquency Rate | 0.78% | -0.09 pp |
| Return on Assets | 0.10% | -0.41 pp |
| Member Growth | 0.40% | - |
| Loan-to-Share Ratio | 91.02% | +7.12 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - All One
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $864.4M | - |
| 2025Q4 | $869.3M | 36,759 |
| 2024Q4 | $903.2M | 36,614 |
| 2023Q4 | $916.3M | 37,774 |
Credit Union Details
- Charter Number
- 66699
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Leominster
- Data Quarter
- 2025Q4
Branch Locations (11)
The NCUA branch filing lists 11 physical offices for All One, spread across 6 cities.
| Office | City |
|---|---|
| Leominster (Main Office) | Leominster, MA |
| Clinton | Clinton, MA |
| Clinton High School | Clinton, MA |
| Fitchburg High School | Fitchburg, MA |
| Holden | Holden, MA |
| Wachusett Regional High School | Holden, MA |
| North Leominster | Leominster, MA |
| Sterling | Sterling, MA |
| Worcester | Worcester, MA |
| Worcester - Shrewsbury Street | Worcester, MA |
| Worcester Technical High School | Worcester, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- All One ranks #2,485 of 4,374 nationally on financial health and #73 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Central One is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Central One
Frequently Asked Questions
Is All One financially healthy?
All One has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,485 of 4,374 nationally on health and #73 of 126 in Massachusetts. Its net worth ratio is 8.76% and its delinquency rate 0.78%.
How does All One compare to other credit unions?
All One scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.02% vs 83.90%). Its widest shortfall is net worth ratio (8.76% vs 11.18%).
How can I join All One?
Membership eligibility for All One depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact All One directly for current membership requirements and application steps.
Is my money safe at All One?
All One is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. All One's net worth ratio of 8.76% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.