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 1.64% above tier average
- + Net Interest Margin 1.83% 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 3.9% in tier
- - Members Per Employee (MPE): Bottom 5.5% in tier
- - Total Members: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
350
-0.6% YoY+0.3% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 9.5% in tier |
| Assets |
$2.4M
+2.0% YoY-2.1% QoQ
|
$-27.4M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.2% in tier |
| Loans |
$1.4M
-10.8% YoY-11.6% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.3% in tier |
| Deposits |
$2.0M
+0.1% YoY-3.3% QoQ
|
$-23.4M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.3%
+699.7% YoY+6.5% QoQ
|
+1.6% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Top 5.3% in tier |
| NIM |
5.8%
+11.1% YoY+3.9% QoQ
|
+1.8% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 5.5% in tier |
| Efficiency Ratio |
59.7%
-36.8% YoY-1.6% QoQ
|
-21.7% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.7% in tier |
| Delinquency Rate | 1.0% | -0.5 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
70.0%
-10.9% YoY-8.6% QoQ
|
+8.7% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
62% |
| AMR |
$9,762
-4.1% YoY-7.1% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
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)