# ALLCOM
Worcester, MA · NCUA charter 67599 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/allcom-67599

Who the members are: state charter, organized 1922. 3,823 members of 888,502 potential (0.4% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $82.7M |
| Members | 3,823 (-2.0% YoY) |
| Full-time staff | 12 |
| Net worth | $13.5M |
| Net worth ratio | 16.3% (p78 of band) |
| ROA (annualized) | 0.27% (p26 of band) |
| Total delinquency | 0.05% (p6 of band) |
| Net charge-offs (annualized) | 0.04% (p23 of band) |
| Loans / shares | 67% (p61 of band) |
| Cash / assets | 23.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.14% (p23 of band) |
| Operating expense / assets | 3.34% (p42 of band) |
| Vehicles % of loans | 10% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.19% (p24 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 85% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 23% |
| Average share balance | $8,349 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 73% |
| Average loan balance | $33,778 |
| Loans granted, annualized | $13.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | delinquency rising, members leaving |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | members leaving |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | net worth falling, delinquency rising |  |
| 2022-09 | 0 |  | net worth falling, delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 0 |  | assets shrinking, delinquency rising |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | members leaving | delinquency rising |
| 2025-06 | 1 | delinquency rising | members leaving |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 1 |  |  |

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

- 2025-05-06 [Get to Know AllCom Credit Union: A Worcester Mainstay with Neighborhood Roots - Worcester Business Journal](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNN21FY2UxRTlqTlQ4d2t6Yll6MTV4RnRMaDZMNEJzLW8wbWlGWjd3bHRxM0ZUQVdmM0RvWldEdkhuUEExcXpiTDgyZHNzMFdFa0FxcjVnSnEtRnVVRmRKcWg0TVR2SGIwMEZfN0hGZUdFT1NuUkFlTFVGZHk4ZThKTVZJbjRxNEdZYzhOOFdVV2FfTVhhY0hpLWZQYjVSZWNEUTZUbUZLWlZyYmM?oc=5) · Worcester Business Journal
- 2021-11-24 [CEO of AllCom Credit Union in Massachusetts to retire - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxNUmVpdllqTWJhaXg4ZWtieW9Ea0lWUjMtU0hvUEE1NDZidk5vRnRzODlUV2Ntb1JUWlg5S244T3ZOV3Fzb3VLTlBZdmR0ZGV6c2NYR1RkSndsZnkxLVRRWUVWa2ZDOVhFTlpWLU85eU9rR2xWMGFDNmdWZk80R0h5Wk5tV1pTdDRmUXhrNy0zb1BOcEJ0REtLcFFWRmlwMmtKd2trQg?oc=5) · American Banker
- 2024-12-15 [One person arrested after bank robbery in Worcester - Boston 25 News](https://news.google.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?oc=5) · Boston 25 News
- 2023-07-10 [Melissa Lynne Haringa Obituary Jul 10, 2023 - Miles Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE9TY3c3eVltRmlfcTRjM3dnMjFYdG84aHZQWGF5eFJsemdjVjJoMTVLOXFYUU52MUFtUGw3TXBOZjQ3NWliX05ack9YeXpDVHNMcXJLOXpwR014M2EtRkxMQ2ZyYWlDS2laaE1v?oc=5) · Miles Funeral Home
- 2018-08-05 [John J. "Jack" O'Coin Obituary Aug 5, 2018 - Callahan Fay Caswell Funeral Home](https://news.google.com/rss/articles/CBMiUkFVX3lxTE9kMEhJQ1JZbE1BUjV4c3dBandPX3FLRXNTZVltcHY5RFVjajIxXzZUSXJhYTJfZVY2T1RCaWNlampHczhPcTJBeXlnaGpsWWxDN1E?oc=5) · Callahan Fay Caswell Funeral Home
- 2021-10-10 [Maureen Hallihan Obituary (2016) - West Yarmouth, MA - Worcester Telegram & Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxQSHhQMHNyYXhYSS0tRGlzZU5Nc1h1ZGY3UFZFbUVTWFpDUDdfaXFCZkR5NTFSMUhBZ0pCX2NVdFNTa2tmaUR6cG5EalM3bXNNVHQ2QlFoOGJvZEVaOFUwb1dzakl1Y3h5NkF6cjEzYWY1NUp0eml0YnZKNU1qbnFVdFFNWGRoOE81eWlrN0JzbElZQQ?oc=5) · Legacy obituary
- 2011-07-07 [Neighbors - Worcester Telegram](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQODZ3cllXajZXaWk1Yjh1RnB2eWU0N3d1N2lUVUxkRDFzckpJazE3YVp3bWlFRDNoUHdqSGJWYVV0dnlnQngwb19JX0JrOWJ1dk9lTFB5YmRoVlZRdEp5WjF3WklVWkVwaHo4SmJmX3d5SEJ0cjZENUFzcVY3ZXlCVnJ1MlFYcEpM?oc=5) · Worcester Telegram
- 2012-05-29 [Movers & Shakers - Worcester Business Journal](https://news.google.com/rss/articles/CBMiW0FVX3lxTFB2ZTQ1Y2FYUUFldEZuSnhhMXc5aHRtNGJSY1dxSHFXSllWQ3NQNlNjN0kzcVp6TGF2aGtCV2ZMNHUtVzBlZ1R4YkdMcHFCeTZ2TVhMRG8xQWpJUU0?oc=5) · Worcester Business Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67599 (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/15.json (key "67599", 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=67599
- 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