ALLCOM
Charter #67599 · Worcester, MA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.13% sits at the 23rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.05% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 91.49% sits at the 79th 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 | ALLCOM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $82.74M | 73th pct | 62th pct |
| Members | 3,823 | 25th pct | 33th pct |
| Net worth ratio | 16.30% | 78th pct | 74th pct |
| Return on average assets | 0.27% | 26th pct | 26th pct |
| Net interest margin | 3.13% | 21th pct | 23th pct |
| Cost of funds | 1.15% | 64th pct | 61th pct |
| Loan-to-share | 66.91% | 61th pct | 51th pct |
| Delinquency 60+ days | 0.05% | 6th pct | 8th pct |
| Net charge-off ratio | 0.04% | 23th pct | 34th pct |
| Loan growth YoY | 0.95% | 71th pct | 67th pct |
| Share growth YoY | 0.63% | 23th pct | 30th pct |
| Efficiency ratio | 91.49% | 84th pct | 79th pct |
structural peer set hash: 0eb22601f1c11670cde8541707749330… (reproducible)
Closest structural peers
This is the free public view
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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.