ALLTRUST

Charter #67481 | MA

100M-500M (1077 CUs) Micro
32 100M-500M in MA

ALLTRUST has 6 strengths but faces 18 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 16.9% in tier
  • + Wallet Share Momentum: Top 25.7% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 4.1% in tier
  • + Net Charge-Off Rate: Top 5.6% in tier
  • + Average Member Relationship (AMR): Top 5.8% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.1% in tier
  • - Institutional Decline: Bottom 1.5% in tier
  • - Membership Headwinds: Bottom 5.8% in tier
  • - Stagnation Risk: Bottom 15.3% in tier
  • - Efficiency Drag: Bottom 17.2% in tier
  • - Liquidity Strain: Bottom 29.8% in tier
  • - ROA 2.21% below tier average
  • - Efficiency ratio 38.64% above tier (higher cost structure)
  • - Delinquency rate 2.98% above tier average
  • - Member decline: -5.8% YoY
  • - Total Delinquency Rate (60+ days): Bottom 0.7% in tier
  • - Net Interest Margin (NIM): Bottom 1.7% in tier
  • - Loan Growth Rate: Bottom 2.8% in tier
  • - First Mortgage Concentration (%): Bottom 4.1% in tier
  • - Share Certificate Concentration (%): Bottom 6.9% in tier
  • - Member Growth Rate: Bottom 8.0% in tier
  • - Asset Growth Rate: Bottom 8.3% in tier
  • - Net Worth Ratio: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 12,019
-5.8% YoY-0.7% QoQ
 -3.6K 15,628
-3.4% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 42nd in tier
Assets $303.8M
-2.5% YoY-1.8% QoQ
 +$72.5M $231.3M
-0.0% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 74th in tier
Loans $230.1M
-10.9% YoY-3.4% QoQ
 +$82.3M $147.8M
-1.4% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 Top 17.9% in tier
Deposits $246.7M
+5.9% YoY+0.5% QoQ
 +$46.4M $200.3M
-0.0% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 70th in tier
ROA -1.4%
-3107.0% YoY-9.3% QoQ
 -2.2% 0.8%
+15.5% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 Bottom 0.3% in tier
NIM 1.9%
-8.4% YoY+0.8% QoQ
 -1.7% 3.6%
+6.9% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 1.6% in tier
Efficiency Ratio 115.9%
+22.1% YoY+2.0% QoQ
 +38.6% 77.3%
-3.0% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 Top 0.3% in tier
Delinquency Rate 3.8%
+223.0% YoY+4.5% QoQ
 +3.0 0.9%
+7.6% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 Top 0.7% in tier
Loan To Share 93.3%
-15.9% YoY-3.9% QoQ
 +20.6% 72.7%
-1.5% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 Top 10.2% in tier
AMR $39,672
+3.0% YoY-0.7% QoQ
 +$15K $24,363
+2.9% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 Top 5.8% in tier
CD Concentration 40.6%
+3.7% YoY-1.6% QoQ
 +16.2% 24.4%
+4.2% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#467 of 1006 • Top 16.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.02%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.3K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#710 of 1006 • Top 25.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.02%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (6)

Credit Quality Pressure

risk
#3 of 736 • Bottom 0.1% in tier

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

Why This Signature
Delinquency Change (YoY): 2.65% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Institutional Decline

decline
#13 of 256 • Bottom 1.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $303.79M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -5.79%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -10.94%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline
#96 of 550 • Bottom 5.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -5.79%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk
#253 of 550 • Bottom 15.3% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -1.43%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -5.79%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $39.7K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 40.62%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Efficiency Drag

risk
#304 of 521 • Bottom 17.2% in tier

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

Why This Signature
Efficiency Ratio: 115.92%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -1.47% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -5.79%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Liquidity Strain

risk
#232 of 258 • Bottom 29.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 93.25%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -10.94%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 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 1077 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
45
Loan-to-Member Ratio (LMR)
engagement
Value: $19,143
Peer Avg: $10,245
#45 of 1077 Top 4.1% in 100M-500M tier
61
Net Charge-Off Rate
risk
Value: 0.04%
Peer Avg: 0.47%
#61 of 1077 Top 5.6% in 100M-500M tier
63
Average Member Relationship (AMR)
engagement
Value: $39,672
Peer Avg: $24,363
#63 of 1077 Top 5.8% in 100M-500M tier
110
Loan-to-Share Ratio
balance_sheet
Value: 93.25%
Peer Avg: 72.70%
#110 of 1077 Top 10.1% in 100M-500M tier
193
Total Loans
balance_sheet
Value: $230.08M
Peer Avg: $147.80M
#193 of 1077 Top 17.8% in 100M-500M tier

Top Weaknesses (11 metrics)

1075
Efficiency Ratio
profitability
Value: 115.92%
Peer Avg: 77.28%
#1075 of 1077 Bottom 0.3% in 100M-500M tier
1074
Return on Assets (ROA)
profitability
Value: -1.43%
Peer Avg: 0.79%
#1074 of 1077 Bottom 0.4% in 100M-500M tier
1070
Total Delinquency Rate (60+ days)
risk
Value: 3.84%
Peer Avg: 0.86%
#1070 of 1077 Bottom 0.7% in 100M-500M tier
1060
Net Interest Margin (NIM)
profitability
Value: 1.86%
Peer Avg: 3.58%
#1060 of 1077 Bottom 1.7% in 100M-500M tier
1048
Loan Growth Rate
growth
Value: -10.94%
Peer Avg: 3.45%
#1048 of 1077 Bottom 2.8% in 100M-500M tier
1034
First Mortgage Concentration (%)
balance_sheet
Value: 64.15%
Peer Avg: 30.43%
#1034 of 1077 Bottom 4.1% in 100M-500M tier
1004
Share Certificate Concentration (%)
balance_sheet
Value: 40.62%
Peer Avg: 23.61%
#1004 of 1077 Bottom 6.9% in 100M-500M tier
992
Member Growth Rate
growth
Value: -5.79%
Peer Avg: 0.72%
#992 of 1077 Bottom 8.0% in 100M-500M tier
989
Asset Growth Rate
growth
Value: -2.49%
Peer Avg: 4.70%
#989 of 1077 Bottom 8.3% in 100M-500M tier
976
Net Worth Ratio
risk
Value: 8.71%
Peer Avg: 12.15%
#976 of 1077 Bottom 9.5% in 100M-500M tier