State credit union · Fairhaven, Massachusetts · NCUA charter #67481
ALLTRUST
Health score 45/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 45
- Health / 100
- $293.5M
- Total assets
- 11,547
- Members
- 8.6%
- Net-worth ratio
ALLTRUST scores 45/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $293.5M; members 11,547; net-worth ratio 8.58%; health rank #4,316 of 4,374; healthier than 1st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,316 of 4,374 health · 2025Q4ALLTRUST · health 45/100 · $293.5M · 2025Q4
- HEALTH 45/100
- NW 8.6%
- DELQ 4.14%
- ROA -0.05%
- ASSETS $293.5M
- MEM 11,547
- RANK #4,316/4,374
- PHOTO UNITED
- BOOK 67481
Call Report peers
ALLTRUST in the assets neighbourhood
ALLTRUST's $293.5M assets sit next to UNITED ($293.0M) 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.
ALLTRUST 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
45 1st percentile higher than 1% 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
ALLTRUST - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67481: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where ALLTRUST diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 90.71% here, 72.20% peer average (+18.51 pp).
- Largest lag: Net Worth Ratio at 8.58% vs peer 12.11% (-3.53 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Massachusetts standing for ALLTRUST
- Health composite ranks #125 of 126 among scored Massachusetts credit unions.
- Assets rank #37 of 126 inside Massachusetts ($293.5M reported).
- Membership ranks #41 of 126 among Massachusetts CUs with a reported count (11,547 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.
How ALLTRUST's 5300 filing moved
ALLTRUST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.8% from $293.5M (2025Q4) to $291.3M (2026Q1).
- Net-worth ratio shifted +0.00 pp (8.58% → 8.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 45/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 45.
- Net Worth Ratio 26.4 pts
- Delinquency Rate 0.0 pts
- Return on Assets 4.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.58% | -3.53 pp |
| Delinquency Rate | 4.14% | +3.25 pp |
| Return on Assets | -0.05% | -0.67 pp |
| Member Growth | -5.78% | - |
| Loan-to-Share Ratio | 90.71% | +18.51 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - ALLTRUST
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $291.3M | - |
| 2025Q4 | $293.5M | 11,547 |
| 2024Q4 | $316.0M | 12,255 |
| 2023Q4 | $326.6M | 12,951 |
Credit Union Details
- Charter Number
- 67481
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- Fairhaven
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, ALLTRUST runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| Alltrust Credit Union Main Office (Main Office) | Fairhaven, MA |
| Fall River Branch | Fall River, MA |
| New Bedford Branch | New Bedford, MA |
| Seekonk Branch | Seekonk, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near ALLTRUST
ALLTRUST's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($293.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (45/100 here).
Using this data
- ALLTRUST ranks #4,316 of 4,374 nationally on financial health and #125 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HOLYOKE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HOLYOKE
- 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 ALLTRUST financially healthy?
A 8.58% net worth ratio and a 4.14% delinquency rate feed into ALLTRUST's financial health score of 45/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,316 of 4,374; by total assets it ranks #1,047 of 4,374 nationally (same basis as /rankings/largest); and #37 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does ALLTRUST compare to other credit unions?
45/100 is ALLTRUST's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 ALLTRUST?
Membership eligibility for ALLTRUST depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ALLTRUST directly for current membership requirements and application steps.
Is my money safe at ALLTRUST?
Federal credit unions like ALLTRUST 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. ALLTRUST's net worth ratio of 8.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ALLTRUST offer compared to banks?
Credit unions like ALLTRUST 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 ALLTRUST 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.