TellerScore

Headquartered in Leominster, Massachusetts, All One Credit Union is a federally insured state-chartered credit union with $880.8M in total assets and $692.2M in member shares and deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1954.

Based on its Q2 2026 filing, All One Credit Union scores 60/100, which we describe as moderate. That is higher than only 21% of 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 96th. Its strongest component is problem-loan coverage (95/100; 2.6%), and its lowest is earnings (33/100; 0.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Net worth ratio: 8.67%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.27%
Earnings33/100
Return on assets (annualized): 0.33%
Funding & liquidity69/100
Loans ÷ shares: 91.3% · 10.7% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.56%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (56 → 60), mostly because the earnings component improved by 9 points.

TellerScore
555962Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202456
Q4 202455
Q1 202555
Q2 202556
Q3 202557
Q4 202555
Q1 202662
Q2 202660
Net worth ratio
7.00%7.88%8.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.12%
Q3 20247.94%
Q4 20247.99%
Q1 20258.01%
Q2 20258.21%
Q3 20258.34%
Q4 20258.62%
Q1 20268.76%
Q2 20268.67%
Delinquent loans (60+ days)
0.19%0.49%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.38%
Q3 20240.28%
Q4 20240.29%
Q1 20250.19%
Q2 20250.29%
Q3 20250.34%
Q4 20250.78%
Q1 20260.20%
Q2 20260.27%
Return on assets
-0.15%0.12%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.33%
Q3 20240.14%
Q4 20240.09%
Q1 2025-0.15%
Q2 20250.10%
Q3 20250.22%
Q4 20250.37%
Q1 20260.39%
Q2 20260.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$880.8M8.67%0.27%0.33%91.3%
Q1 202662$864.4M8.76%0.20%0.39%89.2%
Q4 202555$869.3M8.62%0.78%0.37%91.0%
Q3 202557$877.3M8.34%0.34%0.22%93.2%
Q2 202556$883.8M8.21%0.29%0.10%93.1%
Q1 202555$896.2M8.01%0.19%-0.15%92.5%
Q4 202455$903.2M7.99%0.29%0.09%95.4%
Q3 202456$916.0M7.94%0.28%0.14%96.9%
Q2 202457$901.9M8.12%0.38%0.33%95.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.67%
9th
Problem loans0.27%
84th
Net charge-offs0.21%
69th
Return on assets0.33%
19th
Loans to deposits91.3%
14th
Uninsured deposits10.7%
15th
Loan-loss reserves0.00%
50th
Texas ratio2.6%
68th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Central One Federal Credit UnionCredit union Shrewsbury, MA61 out of 100, Moderate$872.1M9.7%0.68%vs
Liberty Bay Credit UnionCredit union Braintree, MA78 out of 100, Strong$827.4M15.1%0.24%vs
Direct Federal Credit UnionCredit union Needham, MA64 out of 100, Moderate$794.7M11.4%0.36%vs
Polish National Credit UnionCredit union Chicopee, MA76 out of 100, Strong$776.9M13.6%0.17%vs
Freedom Credit UnionCredit union Springfield, MA66 out of 100, Moderate$764.0M14.3%1.81%vs
Gfa Federal Credit UnionCredit union Gardner, MA55 out of 100, Moderate$747.3M9.2%0.75%vs

Deposit insurance

Is my money safe at All One Credit Union?

Yes. All One Credit Union is a federally insured credit union (NCUA charter #66699). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.7% of shares and deposits ($73.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.67%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

All One Credit Union lists 9 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
All One Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66699
RSSD ID
430595
Primary regulator
State + NCUA
Established
1954
Headquarters
20 Adams St., Leominster, MA 01453
Employees
135

Quick answers

All One Credit Union: common questions

Is All One Credit Union NCUA insured?

Yes. All One Credit Union is a federally insured credit union (NCUA charter #66699). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is All One Credit Union's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does All One Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Leominster

InstitutionScoreAssetsCapitalProblem loansCompare
Fidelity Personal Trust Company, FSBBank Merrimack, NH93 out of 100, Very strong$74.6M101.5%0.00%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Webster First Federal Credit UnionCredit union Worcester, MA87 out of 100, Very strong$1.5B19.7%0.41%vs
Allcom Credit UnionCredit union Worcester, MA85 out of 100, Very strong$81.8M16.6%0.07%vs
Leominster Employees Federal Credit UnionCredit union Leominster, MA80 out of 100, Strong$30.0M11.2%0.01%vs
Middlesex Savings BankBank Natick, MA79 out of 100, Strong$6.1B13.4%0.33%vs