Allcom Credit Union
Total assets
$82.7M
▲ +1.1% YoY
Shares & deposits
$68.9M
▲ +0.1% YoY
Loans
$46.1M
▲ +5.4% YoY
Members
3,823
▼ -2.0% YoY
ROA (annualized)
0.27%
peers 0.60%
ROE (annualized)
1.64%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | Allcom Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +0.1% | +0.7% | -0.6 pts |
| Loan growth (YoY) | +5.4% | -2.4% | +7.7 pts |
| ROA | 0.27% | 0.60% | -0.3 pts |
| ROE | 1.6% | 4.1% | -2.5 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
Profile
- Established
- 1922
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 36 Park Ave, Worcester, MA, 01609
- NCUA charter #
- 67599
- RSSD ID
- 5498
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $82.7M | $68.9M | $46.1M | $13.5M | $55K | 0.27% | 3.14% | 0.05% | 3,823 |
| Q4 2025 | $83.3M | $69.8M | $45.6M | $13.4M | $485K | 0.58% | 3.11% | 0.03% | 3,838 |
| Q3 2025 | $82.0M | $68.5M | $45.7M | $13.3M | $366K | 0.60% | 3.11% | 0.07% | 3,893 |
| Q2 2025 | $81.3M | $68.1M | $44.8M | $13.2M | $244K | 0.60% | 3.10% | 0.08% | 3,901 |
| Q1 2025 | $81.9M | $68.8M | $43.8M | $13.1M | $132K | 0.65% | 3.01% | 0.02% | 3,901 |
| Q4 2024 | $79.0M | $66.4M | $44.9M | $12.9M | $496K | 0.63% | 3.19% | 0.01% | 3,918 |
| Q3 2024 | $79.9M | $67.0M | $45.4M | $12.8M | $392K | 0.65% | 3.16% | 0.05% | 3,999 |
| Q2 2024 | $79.1M | $66.6M | $45.1M | $12.7M | $259K | 0.66% | 3.16% | 0.02% | 4,009 |
Loan mix (Q1 2026): real estate $39.2M · commercial $0 · consumer $6.8M · securities $26.0M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Allcom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.83% | 22th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.5% | 81.5% | 72th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Allcom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Allcom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Allcom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Allcom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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