BOSTON CUSTOMS
Charter #524 | MA
<100M
(2596 CUs)
Micro
($0-$500M)
68 <100M in 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 |
| 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
|
60th in tier |
| 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
|
62nd in tier |
| 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
|
28th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
138
Return on Assets (ROA)
profitability
Value:
2.32%
Peer Avg: 0.68%
#138 of 2596
Top 5.3% in <100M tier
143
Net Interest Margin (NIM)
profitability
Value:
5.76%
Peer Avg: 3.93%
#143 of 2596
Top 5.5% in <100M tier
357
Efficiency Ratio
profitability
Value:
59.74%
Peer Avg: 81.39%
#357 of 2596
Top 13.7% in <100M tier
Top Weaknesses (8 metrics)
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2455
Members Per Employee (MPE)
engagement
Value:
87.500
Peer Avg: 365.701
#2455 of 2596
Bottom 5.5% in <100M tier
2350
Total Members
engagement
Value:
350
Peer Avg: 2,626
#2350 of 2596
Bottom 9.5% in <100M tier
2304
Total Assets
balance_sheet
Value:
$2.41M
Peer Avg: $29.86M
#2304 of 2596
Bottom 11.3% in <100M tier
2286
Total Deposits
balance_sheet
Value:
$2.01M
Peer Avg: $25.45M
#2286 of 2596
Bottom 12.0% in <100M tier
2226
Total Loans
balance_sheet
Value:
$1.41M
Peer Avg: $15.77M
#2226 of 2596
Bottom 14.3% in <100M tier
2101
Loan Growth Rate
growth
Value:
-10.78%
Peer Avg: 59.01%
#2101 of 2596
Bottom 19.1% in <100M tier
2081
AMR Growth Rate
growth
Value:
-4.14%
Peer Avg: 4.67%
#2081 of 2596
Bottom 19.9% in <100M tier