# ALL ONE
Leominster, MA · NCUA charter 66699 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/all-one-66699

Who the members are: state charter, organized 1954. 36,606 members of 581,789 potential (6.3% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $864.4M |
| Members | 36,606 (-0.5% YoY) |
| Full-time staff | 130 |
| Net worth | $75.8M |
| Net worth ratio | 8.8% (p16 of band) |
| ROA (annualized) | 0.39% (p27 of band) |
| Total delinquency | 0.20% (p13 of band) |
| Net charge-offs (annualized) | 0.30% (p39 of band) |
| Loans / shares | 89% (p76 of band) |
| Cash / assets | 3.4% |
| Borrowings / assets | 11.00% |
| Net interest margin | 2.84% (p14 of band) |
| Operating expense / assets | 3.14% (p27 of band) |
| Vehicles % of loans | 24% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 84% |
| Third-party paper % of net worth | 166% (p67 of band) |
| Vehicle delinquency | 0.15% (p7 of band) |
| Vehicle NCO | 1.46% (p74 of band) |
| Repossessed % of vehicle book | 0.14% (p73 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 78% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 35% |
| Average share balance | $9,650 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $34.9M |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $27,814 |
| Loans granted, annualized | $95.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $34.9M outstanding purchased (46.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.0% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **assets shrinking** (`shrink_assets`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 4 | loans>95% of shares |  |
| 2016-09 | 5 | net worth falling |  |
| 2016-12 | 4 |  | net worth falling |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 5 | net worth falling |  |
| 2018-03 | 4 |  | net worth falling |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 5 | members leaving |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 6 | delinquency rising |  |
| 2019-09 | 5 |  | delinquency rising |
| 2019-12 | 5 |  |  |
| 2020-03 | 3 | delinquency rising | thin capital, loans>95% of shares, members leaving |
| 2020-06 | 3 | thin capital | delinquency rising |
| 2020-09 | 4 | members leaving |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | net worth falling |  |
| 2021-06 | 5 | delinquency rising | members leaving |
| 2021-09 | 3 |  | net worth falling, delinquency rising |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 5 | assets shrinking, members leaving |  |
| 2022-09 | 5 | delinquency rising | assets shrinking |
| 2022-12 | 5 | net worth falling | delinquency rising |
| 2023-03 | 6 | delinquency rising |  |
| 2023-06 | 4 |  | members leaving, net worth falling |
| 2023-09 | 4 | loans>95% of shares | delinquency rising |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 5 | members leaving |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 4 | losing money | loans>95% of shares, members leaving |
| 2025-06 | 3 |  | losing money |
| 2025-09 | 4 | assets shrinking |  |
| 2025-12 | 5 | delinquency rising |  |
| 2026-03 | 4 |  | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-08-13 [All One Credit Union dedicates board room to Giulio Greco - CUInsight](https://news.google.com/rss/articles/CBMinwFBVV95cUxOdW1KcVQyYzdQRUZ6LTZHRWI2RDRHUGRhNXVSMGRIbUhOcnI2VU1JT0t3T280UENmQnU2eGdiMWQtRG5DVnhtZjUwdXFIVlhtUFBTX3hMR3RVRDFUNEtoVWstZWxxRUFHdTVWcm1wQzc1ZnhUUjlTX1JaUmlUQjctTlNveUJvV2I4dUhfQVNZVlgteWc3WUNjcEhkaEltNGs?oc=5) · CUInsight
- 2024-10-04 [Leominster Credit Union to rebrand on Monday - wbjournal.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNMGVacDBSc25TdzJVcUZYYW8tMzJHWHFqOC1qU29aY1U2UDVWWXRwSk95cjRsVEczZm9BemVFRFdLb3A2eGVQLVROenFPdHRQR2wybVhFSWxrQlY4eDhVUjhQQjR6Qm9JNzQtem9fWHpTcjV0S3k3SEEtTmEzTDR1YQ?oc=5) · wbjournal.com
- 2025-05-06 [Leominster police searching for man involved in credit union robbery - WHDH](https://news.google.com/rss/articles/CBMilgFBVV95cUxOV3VqZXVKNWNROEs0RW9TOGRGYmpvenJMclVvZ3ZHSmxSQjBjZTZ6TGF1RDNDVkFLNGdkWWd5djgyeWw4Ykh4S1NOYmN6VVI4Tjg3ZXFwT2YtSUtmZmVEUEViSXUydUFVS2Y4VWRPTWNEeDY1WS11T1hmQlA5THVRa196V2M3aU9vcE1tUmttblB2aUVxdGc?oc=5) · WHDH
- 2026-08-14 [Boys & Girls Club of Fitchburg and Leominster to Host Central Mass. All-Star Bas­ketball Games - Spectrum News](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNcExsRFJlaFdDbFVtWjlCUC1wSEhPVmtEVlptUHhaZ1V4dHNqOHRtYTMtZnVONXRsWV80ZzVQdUlmMWFaYUx0MWlmV2N6MUVadG1KLU1PaGZUVERLNk5aZzVqMTJEZEZTQTdzTC03TnNxUU0tU2E3Y0dIdzBPTFNpdEdJS3FXR1ZpbFNFWDNmZkJnZnJRUEtiYVV3ZERLMVNTcWMtOVZVbGJtUjhOVFU5UGhidDdTcXRkZUdOdEIyc2JOb1lFUDUyLXZCMndsSVBRb0E?oc=5) · Spectrum News
- 2024-10-20 [Leominster Credit Union rebranded as All One Credit Union - Sentinel and Enterprise](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNblY5Nm9DeElxUVJEVlJNaXQxaExLUUUzazA0TzJFWlJ5bHpjbUFFR29rbEJLWlFkczJBcUFuSXE2ckhjc2FXS0lRUHRWSmJWVUZoRW5GY3dXRl9vVTNmZmNjOC00R2hHanBTVERiQWZ0MVo3Zl9LMi1TTTh0MHZMOHFmaXlYWUtfQmMzQzBKaWhZcDZtNk5LTHM5SjNqUUZVVkt4S0F6TXdGZG8?oc=5) · Sentinel and Enterprise
- 2025-04-21 [Movers & Shakers for April 21, 2025 - wbjournal.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE1UZjEtOHE4Unpld3Q0R29oUmpLQTJSbE5WbkY4OUxfV0FkVTFKMTl1WnFzaXBxZmNhWlZPMV9VTUZpcEx2dUVVcTlEMmZoNVFURUVWbmpEVHZ6c2wzWEJWTms3dTRRdTI0Y2JQWW5hZHo?oc=5) · wbjournal.com
- 2025-05-08 [Leominster police charge Fitchburg man in All One Credit Union robbery - Worcester Telegram](https://news.google.com/rss/articles/CBMixAFBVV95cUxOdGJ3eFQtR05OVnZGa2xJX2VlNGgtdkgxcmVVdUh5WHp2czFleThBa2JwOExScEMtR1YtdDB2X3JHNmNhb2FxNmxTTnktWU5vZkh0cnU1YXVxeldUeE9IblVfMTNGZXp2MThBTktNdEhKYkwxSW1oVW50bkZCcElRYVlsZUxXZTl1Z3B1cHlhV2FfbkVZeHdqRGhEa0pvOFAtMVI5OHdoTXVSX1NaT1hxZXVPYXpCdHFSYmZDSnQ3WEUxSlFY?oc=5) · Worcester Telegram
- 2025-05-06 [Police seek help identifying man who allegedly robbed a credit union in Leominster - The Boston Globe](https://news.google.com/rss/articles/CBMijgFBVV95cUxPSUFIcFhVWW9NeVZZaTVhR1YzcllZMy1fZ2pxakhUdUlBTHA3YWtfNVNFSVdHdWdYT1l2emxabG9WZ1hFWXFUUDBTTUNlQ2ZkTWlmM1M3c3ZiWmFvYTNIQ01jdzl1eU5mcXowVEFUSTBYRm5ha2RUSFlrZUNuN0phVFJiNV9tZUd2cGFYbU5R?oc=5) · The Boston Globe

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66699 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/11.json (key "66699", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66699
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide