ALL ONE

Charter #66699 | MA

750M-1B (112 CUs) Community (281 CUs)
5 750M-1B in MA

ALL ONE faces 7 concerns requiring attention

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 2.6% in tier
  • - Credit Quality Pressure: Bottom 22.2% in tier
  • - Liquidity Strain: Bottom 28.4% in tier
  • - Indirect Auto Dependency: Bottom 30.6% in tier
  • - ROA 0.50% below tier average
  • - Efficiency ratio 12.08% above tier (higher cost structure)
  • - Asset Growth Rate: Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 36,759
-0.3% YoY-0.6% QoQ
 -15.4K 52,114
-2.1% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 Bottom 18.8% in tier
Assets $877.3M
-4.2% YoY-0.7% QoQ
 +$18.3M $859.0M
+0.0% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 59th in tier
Loans $638.0M
-2.4% YoY-0.8% QoQ
 +$34.7M $603.4M
+1.0% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 54th in tier
Deposits $684.7M
+1.5% YoY-0.9% QoQ
 $-49.5M $734.2M
+0.9% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 Bottom 25.0% in tier
ROA 0.2%
+51.6% YoY+119.6% QoQ
 -0.5% 0.7%
+27.6% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 Bottom 18.8% in tier
NIM 2.6%
+12.7% YoY+3.6% QoQ
 -0.8% 3.4%
+9.6% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 11.6% in tier
Efficiency Ratio 86.6%
+0.5% YoY-3.1% QoQ
 +12.1% 74.5%
-3.2% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 Top 10.7% in tier
Delinquency Rate 0.3%
+24.1% YoY+19.8% QoQ
 -0.5 0.8%
+5.0% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 Bottom 15.2% in tier
Loan To Share 93.2%
-3.8% YoY+0.1% QoQ
 +10.5% 82.7%
+0.1% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 Top 24.1% in tier
AMR $35,984
-0.1% YoY-0.3% QoQ
 +$7K $28,651
+2.5% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 Top 17.0% in tier
CD Concentration 36.4%
+0.2% YoY-1.2% QoQ
 +12.0% 24.4%
+4.2% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 Top 12.9% in tier
Indirect Auto % 22.4%
-9.6% YoY-2.1% QoQ
 +8.5% 14.0%
-5.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 74th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk
#47 of 521 • Bottom 2.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 86.60%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.07% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.26%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk
#549 of 736 • Bottom 22.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Liquidity Strain

risk
#221 of 258 • Bottom 28.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.18%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -2.36%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#493 of 525 • Bottom 30.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -4.23%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 22.42%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.26%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 112 peers in tier

Top Strengths (4 metrics)

14
Loan-to-Member Ratio (LMR)
engagement
Value: $17,357
Peer Avg: $12,810
#14 of 112 Top 11.6% in 750M-1B tier
18
Total Delinquency Rate (60+ days)
risk
Value: 0.34%
Peer Avg: 0.82%
#18 of 112 Top 15.2% in 750M-1B tier
19
Average Member Relationship (AMR)
engagement
Value: $35,984
Peer Avg: $28,651
#19 of 112 Top 16.1% in 750M-1B tier
27
Loan-to-Share Ratio
balance_sheet
Value: 93.18%
Peer Avg: 82.66%
#27 of 112 Top 23.2% in 750M-1B tier

Top Weaknesses (11 metrics)

104
Asset Growth Rate
growth
Value: -4.23%
Peer Avg: 4.25%
#104 of 112 Bottom 8.0% in 750M-1B tier
101
Efficiency Ratio
profitability
Value: 86.60%
Peer Avg: 74.52%
#101 of 112 Bottom 10.7% in 750M-1B tier
100
Net Worth Ratio
risk
Value: 8.34%
Peer Avg: 11.52%
#100 of 112 Bottom 11.6% in 750M-1B tier
99
Net Interest Margin (NIM)
profitability
Value: 2.61%
Peer Avg: 3.38%
#99 of 112 Bottom 12.5% in 750M-1B tier
96
Loan Growth Rate
growth
Value: -2.36%
Peer Avg: 4.84%
#96 of 112 Bottom 15.2% in 750M-1B tier
93
Share Certificate Concentration (%)
balance_sheet
Value: 36.37%
Peer Avg: 28.34%
#93 of 112 Bottom 17.9% in 750M-1B tier
93
Members Per Employee (MPE)
engagement
Value: 264.453
Peer Avg: 361.634
#93 of 112 Bottom 17.9% in 750M-1B tier
91
Return on Assets (ROA)
profitability
Value: 0.21%
Peer Avg: 0.71%
#91 of 112 Bottom 19.6% in 750M-1B tier
91
Deposit Growth Rate
growth
Value: 1.50%
Peer Avg: 5.03%
#91 of 112 Bottom 19.6% in 750M-1B tier
91
Total Members
engagement
Value: 36,759
Peer Avg: 52,114
#91 of 112 Bottom 19.6% in 750M-1B tier