ZUnclassifiedEIN: 042348884· Ruling Year: 1955

All One Credit Union

Leominster, Massachusetts

B+Health Score
74B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 111 peers in Unclassified with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org1.29×
Peer Median5.86×
💰
$40.7M
Total Revenue
📊
$38.6M
Total Expenses
🏦
$49.8M
Net Assets
📋
$855.6M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+33.9%
Year-over-year change (2022 → 2023)
Net Margin
+5.1%
Revenue minus expenses as % of revenue
Working Capital Ratio
1.29
Net assets divided by total expenses
Liabilities-to-Assets
94.5%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$40,678,23434%$38,607,87037%$905,439,3665%
2022$30,384,917$28,230,1411%$864,317,2436%
2021$30,410,7551%$28,035,5942%$813,719,3497%
2020$30,838,0044%$28,667,6832%$758,422,5915%
2019$32,064,37511%$29,200,23611%$722,764,7752%
2018$28,975,86115%$26,196,24711%$706,304,3937%
2017$25,161,857$23,596,5183%$661,258,6042%
2016$25,053,3274%$22,970,4912%$648,396,7633%
2015$24,156,9674%$22,525,0662%$631,489,3022%
2014$25,248,0271%$22,871,2725%$619,865,762
2013$24,962,4435%$24,134,5172%$621,728,878
2012$26,377,1367%$24,721,0302%$619,149,8411%
2011$28,472,631$25,331,141$614,581,509

Frequently Asked Questions

What does All One Credit Union do?

All One Credit Union is a unclassified nonprofit organization based in Massachusetts. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is All One Credit Union financially healthy?

Based on our 9-metric Financial Health Score model, All One Credit Union has a score of 74/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does All One Credit Union generate?

All One Credit Union reports $47.7M in annual revenue and holds $876.8M in total assets, based on IRS filings.

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