BlastPoint's Credit Union Scorecard
ALLTRUST
Charter #67481 · MA
ALLTRUST has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Loan-to-Member Ratio (LMR): Top 4.8% in tier
- + Average Member Relationship (AMR): Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Efficiency ratio 47.04% above tier (higher cost structure)
- - Delinquency rate 2.69% above tier average
- - Member decline: -5.5% YoY
- - Asset Growth Rate: Bottom 0.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 32 that size in Massachusetts.
- Shares and deposits -1.5% year over year ($242M in shares and deposits).
- Membership: 11,444 members, -5.5% vs a year ago.
- Delinquency rate 3.57%.
- Return on assets 1.04%.
- Efficiency ratio 123.78% vs a 76.73% peer average.
- Loan-to-share ratio 88.72% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,444
-5.5% YoY-0.6% QoQ
|
-3.7K |
15,168
-2.6% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
41% |
| Assets |
$280.2M
-9.5% YoY-3.8% QoQ
|
+$48.2M |
$232.0M
+0.7% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
70% |
| Loans |
$214.7M
-9.9% YoY-2.7% QoQ
|
+$68.5M |
$146.3M
+0.2% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
79% |
| Deposits |
$242.0M
-1.5% YoY-1.9% QoQ
|
+$41.3M |
$200.7M
+0.2% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
69% |
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| ROA |
1.0%
-166.0% YoY-479.9% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
1.9%
+5.8% YoY+2.6% QoQ
|
-1.7% |
3.7%
+4.5% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.8% in tier |
| Efficiency Ratio |
123.8%
+8.9% YoY+15.5% QoQ
|
+47.0% |
76.7%
-0.8% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 0.1% in tier |
| Delinquency Rate |
3.6%
-2.9% YoY-2.1% QoQ
|
+2.7 |
0.9%
+6.6% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.5% in tier |
| Loan To Share |
88.7%
-8.5% YoY-0.8% QoQ
|
+17.2% |
71.5%
-0.3% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
83% |
| AMR |
$39,910
-0.1% YoY-1.7% QoQ
|
+$15K |
$25,107
+3.2% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
Top 6.2% in tier |
| CD Concentration |
38.1%
-7.8% YoY-3.2% QoQ
|
+13.5% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)