BlastPoint's Credit Union Scorecard
BOSTON CUSTOMS
Charter #524 · MA
BOSTON CUSTOMS has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.25% above tier average
- + Net Interest Margin 1.42% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 3.3% in tier
- - Members Per Employee (MPE): Bottom 5.4% in tier
- - Total Members: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
354
-0.8% YoY+1.1% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 9.5% in tier |
| Assets |
$2.4M
+1.5% YoY+0.3% QoQ
|
$-27.7M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.8% in tier |
| Loans |
$1.4M
-14.0% YoY-0.1% QoQ
|
$-14.4M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.9% in tier |
| Deposits |
$2.0M
-0.4% YoY+0.3% QoQ
|
$-23.7M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.5% in tier |
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| ROA |
1.9%
+763.0% YoY-19.5% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Top 8.6% in tier |
| NIM |
5.4%
+9.2% YoY-6.7% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 8.3% in tier |
| Efficiency Ratio |
65.3%
-31.8% YoY+9.2% QoQ
|
-17.3% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.5%
-50.7% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
69.7%
-13.7% YoY-0.4% QoQ
|
+9.1% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$9,667
-5.7% YoY-1.0% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)