ALLTRUST
Charter #67481 · Fairhaven, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.58% sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of -0.27% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 1.89% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 0.29% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.65% sits at the 97th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ALLTRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $291.27M | 72th pct | 61th pct |
| Members | 11,512 | 41th pct | 44th pct |
| Net worth ratio | 8.58% | 9th pct | 15th pct |
| Return on average assets | -0.27% | 4th pct | 7th pct |
| Net interest margin | 1.89% | 1th pct | 0th pct |
| Cost of funds | 0.29% | 12th pct | 7th pct |
| Loan-to-share | 89.44% | 88th pct | 64th pct |
| Delinquency 60+ days | 3.65% | 99th pct | 97th pct |
| Net charge-off ratio | 0.59% | 71th pct | 85th pct |
| Loan growth YoY | -4.11% | 10th pct | 3th pct |
| Share growth YoY | -0.02% | 10th pct | 18th pct |
| Efficiency ratio | 107.13% | 99th pct | 95th pct |
structural peer set hash: 0a3b983e24a1394d446ad5398289a50f… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.