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
Call Report peers
ALLTRUST in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); ALLTRUST sits in 45-49 with 39 others.
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
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).
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).
- One place up in Massachusetts, SYMPHONY (#124) scores 52/100, 7 points higher; one place down, Springfield Street Railway Emp. (#126) scores 41/100, 4 points lower.
How ALLTRUST's 5300 filing moved
ALLTRUST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $293.5M (2025Q4) to $291.3M (2026Q1).
- Net-worth ratio shifted +0.00 pp (8.58% → 8.58%).
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
ALLTRUST gives up 55 points in total. Delinquency Rate costs the most, 25 of its 25; Loan-to-Share Ratio loses the least, 0.3.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ALLTRUST financially healthy?
ALLTRUST has a financial health score of 45/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,316 of 4,374 nationally on health and #125 of 126 in Massachusetts. Its net worth ratio is 8.58% and its delinquency rate 4.14%.
How does ALLTRUST compare to other credit unions?
ALLTRUST scores 45/100, higher than 1% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (90.71% vs 72.20%). Its widest shortfall is net worth ratio (8.58% vs 12.11%).
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?
ALLTRUST 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. ALLTRUST's net worth ratio of 8.58% 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.