# ALLTRUST
Fairhaven, MA · NCUA charter 67481 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alltrust-67481

Who the members are: state charter, organized 1922, low-income designated. 11,512 members of 3,216,312 potential (0.4% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 22.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $291.3M |
| Members | 11,512 (-5.5% YoY) |
| Full-time staff | 42 |
| Net worth | $25.0M |
| Net worth ratio | 8.6% (p9 of band) |
| ROA (annualized) | -0.27% (p3 of band) |
| Total delinquency | 3.65% (p99 of band) |
| Net charge-offs (annualized) | 0.59% (p70 of band) |
| Loans / shares | 89% (p87 of band) |
| Cash / assets | 17.5% |
| Borrowings / assets | 6.52% |
| Net interest margin | 1.90% (p1 of band) |
| Operating expense / assets | 2.67% (p16 of band) |
| Vehicles % of loans | 1% (p1 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.00% (p2 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 73% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 206% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 39% |
| Average share balance | $9,844 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $73.9M |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $87,689 |
| Loans granted, annualized | $2.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $73.9M outstanding purchased (295.6% of net worth), $946,777 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -0.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 0 |  | net worth falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 1 | delinquency rising | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling, losing money | delinquency rising |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 4 | loans>95% of shares, leaning on borrowings |  |
| 2020-03 | 3 | delinquency rising | losing money, loans>95% of shares |
| 2020-06 | 4 | members leaving |  |
| 2020-09 | 2 |  | net worth falling, delinquency rising |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 | loans>95% of shares | members leaving |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 5 | net worth falling, losing money, members leaving |  |
| 2022-06 | 4 |  | members leaving |
| 2022-09 | 4 | thin capital | losing money |
| 2022-12 | 3 |  | net worth falling |
| 2023-03 | 5 | delinquency 2x band, delinquency rising |  |
| 2023-06 | 4 |  | thin capital |
| 2023-09 | 5 | assets shrinking |  |
| 2023-12 | 6 | members leaving |  |
| 2024-03 | 8 | losing money, margin squeeze |  |
| 2024-06 | 7 |  | losing money |
| 2024-09 | 5 |  | delinquency 2x band, delinquency rising |
| 2024-12 | 7 | losing money, loan book shrinking |  |
| 2025-03 | 9 | thin capital, net worth falling, delinquency 2x band, delinquency rising | assets shrinking, margin squeeze |
| 2025-06 | 8 |  | delinquency rising |
| 2025-09 | 8 | delinquency rising | loans>95% of shares |
| 2025-12 | 8 | assets shrinking | loan book shrinking |
| 2026-03 | 7 |  | delinquency rising |

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

- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2022-06-08 [Meet Atlantis Charter School's Top 10 Graduates of 2022 - Fall River Herald News](https://news.google.com/rss/articles/CBMizgFBVV95cUxPa2QzNWx2b0VhdldTTnBxYVZudzVTZHgwbGhib29OWTJCLXRMaXFxekFXNzZhRXd4anJiUVVod2tqS09lMHpkS0JBYW1lUkxaODY4WllKUHlESUp2cmZoLXJSdkJ5TEU4WldnNjY0SEczWHlLMTY5RHlvS1ROSjFFN2Q0Q3ZvMmVubG1hcVNHZXJ6NFBueWt3dDhXaUR4dDBobFZzOC1tbUUzRHlwRXQyd2UxRXVKYUVmcnFKTG1nQXBNN0NIbmlLSi1idHVHUQ?oc=5) · Fall River Herald News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67481 (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/25.json (key "67481", 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=67481
- 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.

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