State credit union · Worcester, Massachusetts · NCUA charter #67599
ALLCOM
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $83.3M
- Total assets
- 3,838
- Members
- 16.3%
- Net-worth ratio
ALLCOM scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $83.3M; members 3,838; net-worth ratio 16.30%; health rank #1,204 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,204 of 4,374 health · 2025Q4ALLCOM · health 89/100 · $83.3M · 2025Q4
- HEALTH 89/100
- NW 16.3%
- DELQ 0.03%
- ROA 0.60%
- ASSETS $83.3M
- MEM 3,838
- RANK #1,204/4,374
- PHOTO Union Yes
- BOOK 67599
Call Report peers
ALLCOM in the assets neighbourhood
ALLCOM's $83.3M assets sit next to Union Yes ($83.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ALLCOM vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ALLCOM - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67599: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
ALLCOM: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 65.31% here, 62.60% peer average (+2.71 pp).
- Largest lag: Return on Assets at 0.60% vs peer 0.66% (-0.06 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ALLCOM in Massachusetts
- Health composite ranks #35 of 126 among scored Massachusetts credit unions.
- Assets rank #64 of 126 inside Massachusetts ($83.3M reported).
- Membership ranks #67 of 126 among Massachusetts CUs with a reported count (3,838 members).
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ALLCOM: 2025Q4 → 2026Q1
ALLCOM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $83.3M (2025Q4) to $82.7M (2026Q1).
- Net-worth ratio shifted +0.17 pp (16.13% → 16.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.30% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.3 pts
- Loan-to-Share Ratio 13.7 pts
ALLCOM vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.30% | +2.68 pp |
| Delinquency Rate | 0.03% | -0.93 pp |
| Return on Assets | 0.60% | -0.06 pp |
| Member Growth | -2.04% | - |
| Loan-to-Share Ratio | 65.31% | +2.71 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
ALLCOM filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $82.7M | - |
| 2025Q4 | $83.3M | 3,838 |
| 2024Q4 | $79.0M | 3,918 |
| 2023Q4 | $78.7M | 4,039 |
Credit Union Details
- Charter Number
- 67599
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Massachusetts
- City
- Worcester
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for ALLCOM.
| Office | City |
|---|---|
| AllCom Credit Union (Main Office) | Worcester, MA |
| Postal Branch | 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.
ALLCOM nationwide neighbourhoods
Two NCUA Call Report peer sets for ALLCOM, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($83.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- ALLCOM ranks #1,204 of 4,374 nationally on financial health and #35 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WESTPORT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WESTPORT
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ALLCOM financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, ALLCOM carries a financial health score of 89/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,204 of 4,374; by total assets it ranks #1,987 of 4,374 nationally (same basis as /rankings/largest); and #64 of 126 within Massachusetts. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.30% net worth ratio and a 0.03% delinquency rate.
How does ALLCOM compare to other credit unions?
Five weighted metrics from NCUA filings produce ALLCOM's 89/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ALLCOM?
Membership eligibility for ALLCOM depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ALLCOM directly for current membership requirements and application steps.
Is my money safe at ALLCOM?
Federal credit unions like ALLCOM are 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. ALLCOM's net worth ratio of 16.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ALLCOM offer compared to banks?
Credit unions like ALLCOM are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ALLCOM directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.