TellerScore

Alltrust Credit Union is a federally insured state-chartered credit union headquartered in Fairhaven, Massachusetts, in business for about 104 years. At the end of Q2 2026 it reported $280.2M in total assets and $242.0M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Alltrust Credit Union scores 25/100, which we describe as low. That is higher than only 0% of 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 121st. Its strongest component is funding & liquidity (72/100; 89% loans-to-deposits, 7% uninsured), and its lowest is earnings (0/100; -1.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Net worth ratio: 8.46%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.57%
Earnings0/100
Return on assets (annualized): -1.06%
Funding & liquidity72/100
Loans ÷ shares: 88.7% · 7.5% uninsured
Problem-loan coverage35/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 32.30%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (24 → 25).

TellerScore
243749Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202433
Q3 202449
Q4 202449
Q1 202529
Q2 202524
Q3 202524
Q4 202524
Q1 202627
Q2 202625
Net worth ratio
7.00%8.32%9.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.49%
Q3 20249.63%
Q4 20249.42%
Q1 20258.90%
Q2 20258.82%
Q3 20258.71%
Q4 20258.58%
Q1 20268.58%
Q2 20268.46%
Delinquent loans (60+ days)
1.19%2.67%4.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.63%
Q3 20241.19%
Q4 20241.19%
Q1 20252.71%
Q2 20253.67%
Q3 20253.84%
Q4 20254.14%
Q1 20263.65%
Q2 20263.57%
Return on assets
-1.73%-0.84%0.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.00%
Q3 20240.05%
Q4 2024-0.05%
Q1 2025-1.73%
Q2 2025-1.60%
Q3 2025-1.44%
Q4 2025-1.55%
Q1 2026-0.27%
Q2 2026-1.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202625$280.2M8.46%3.57%-1.06%88.7%
Q1 202627$291.3M8.58%3.65%-0.27%89.4%
Q4 202524$293.5M8.58%4.14%-1.55%90.7%
Q3 202524$303.8M8.71%3.84%-1.44%93.3%
Q2 202524$309.5M8.82%3.67%-1.60%97.0%
Q1 202529$318.8M8.90%2.71%-1.73%98.3%
Q4 202449$316.0M9.42%1.19%-0.05%102.2%
Q3 202449$311.6M9.63%1.19%0.05%110.9%
Q2 202433$315.0M9.49%2.63%0.00%114.5%

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 ratio8.46%
7th
Problem loans3.57%
1st
Net charge-offs1.05%
8th
Return on assets-1.06%
0th
Loans to deposits88.7%
20th
Uninsured deposits7.5%
34th
Loan-loss reserves0.00%
50th
Texas ratio32.3%
0th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Holyoke Credit UnionCredit union Holyoke, MA53 out of 100, Below average$296.4M9.2%1.42%vs
Somerset Federal Credit UnionCredit union Somerset, MA78 out of 100, Strong$263.3M12.5%0.19%vs
Tremont Credit UnionCredit union Boston, MA55 out of 100, Moderate$256.5M10.6%1.43%vs
Shrewsbury Federal Credit UnionCredit union Shrewsbury, MA69 out of 100, Moderate$249.4M8.7%0.35%vs
Luso Federal Credit UnionCredit union Ludlow, MA61 out of 100, Moderate$244.6M11.1%1.10%vs
Fall River Municipal Credit UnionCredit union Fall River, MA62 out of 100, Moderate$316.5M9.5%0.47%vs

Deposit insurance

Is my money safe at Alltrust Credit Union?

Yes. Alltrust Credit Union is a federally insured credit union (NCUA charter #67481). 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 7.5% of shares and deposits ($18.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.46%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Alltrust Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Alltrust Credit Union reported 36 home-loan applications under HMDA (LEI 2549004PVBWPAZBFE759): 22 originated ($4,130,000 total), 7 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Alltrust Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67481
RSSD ID
215297
Primary regulator
State + NCUA
Established
1922
Headquarters
123 Alden Rd, Fairhaven, MA 02719
Employees
45

Quick answers

Alltrust Credit Union: common questions

Is Alltrust Credit Union NCUA insured?

Yes. Alltrust Credit Union is a federally insured credit union (NCUA charter #67481). 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 Alltrust Credit Union's TellerScore?

25 out of 100 (Low), 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 Alltrust Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fairhaven

InstitutionScoreAssetsCapitalProblem loansCompare
First Citizens' Federal Credit UnionCredit union Fairhaven, MA83 out of 100, Strong$705.9M20.2%0.77%vs
Somerset Federal Credit UnionCredit union Somerset, MA78 out of 100, Strong$263.3M12.5%0.19%vs
Mechanics Cooperative BankBank Taunton, MA77 out of 100, Strong$898.8M12.4%0.03%vs
Sharon & Crescent United Credit UnionCredit union Sharon, MA76 out of 100, Strong$1.4B12.8%0.43%vs
Westport Federal Credit UnionCredit union Westport, MA75 out of 100, Strong$82.2M9.9%0.37%vs
St. Anthony of Padua Federal Credit UnionCredit union Fall River, MA75 out of 100, Strong$38.4M19.6%1.91%vs