BlastPoint's Credit Union Scorecard
BOSTON CUSTOMS
Charter #524 · MA
BOSTON CUSTOMS has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.25% above tier average
- + Net Interest Margin 1.99% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 6.4% in tier
- + Member Growth Rate: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 3.8% in tier
- - Members Per Employee (MPE): Bottom 5.5% in tier
- - Net Charge-Off Rate: Bottom 6.8% in tier
- - AMR Growth Rate: Bottom 9.9% in tier
- - Total Members: Bottom 9.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in Massachusetts.
- Shares and deposits -0.0% year over year ($2.1M in shares and deposits).
- Membership: 363 members, +4.0% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 2.74%.
- Efficiency ratio 53.44% vs a 88.77% peer average.
- Loan-to-share ratio 68.80% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
363
+4.0% YoY-0.3% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
Bottom 9.8% in tier |
| Assets |
$2.5M
+2.1% YoY+0.1% QoQ
|
$-27.8M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.0% in tier |
| Loans |
$1.4M
-10.1% YoY-3.1% QoQ
|
$-14.0M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.2% in tier |
| Deposits |
$2.1M
-0.0% YoY-0.8% QoQ
|
$-23.7M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.4% in tier |
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| ROA |
2.7%
+26.0% YoY+8.8% QoQ
|
+1.2% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
Top 4.7% in tier |
| NIM |
5.9%
+6.2% YoY+10.2% QoQ
|
+2.0% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Top 4.1% in tier |
| Efficiency Ratio |
53.4%
-12.0% YoY+1.1% QoQ
|
-35.3% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Top 6.4% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
68.8%
-10.1% YoY-2.3% QoQ
|
+9.9% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
65% |
| AMR |
$9,659
-8.1% YoY-1.5% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
26% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 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)