BlastPoint's Credit Union Scorecard
CITY OF BOSTON
Charter #67841 · MA
CITY OF BOSTON has 1 strength but faces 11 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 3.0% in tier
- - Credit Quality Pressure: Bottom 3.7% in tier
- - Stagnation Risk: Bottom 11.9% in tier
- - Membership Headwinds: Bottom 13.2% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 1.53% above tier (higher cost structure)
- - Delinquency rate 1.04% above tier average
- - Member decline: -3.1% YoY
- - First Mortgage Concentration (%): Bottom 3.0% in tier
- - Loan Growth Rate: Bottom 5.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,060
-3.1% YoY-0.2% QoQ
|
-7.7K |
39,752
-2.7% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
25% |
| Assets |
$562.1M
+2.5% YoY+1.8% QoQ
|
$-60.2M |
$622.4M
+0.3% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$389.1M
-9.8% YoY-2.8% QoQ
|
$-46.9M |
$435.9M
-0.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
27% |
| Deposits |
$486.1M
+2.4% YoY+1.7% QoQ
|
$-51.9M |
$538.0M
+1.3% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
26% |
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| ROA |
0.5%
-154.2% YoY+6.7% QoQ
|
-0.2% |
0.7%
+33.9% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
3.0%
-2.6% YoY-0.6% QoQ
|
-0.4% |
3.4%
+8.6% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
23% |
| Efficiency Ratio |
79.6%
-36.2% YoY+3.3% QoQ
|
+1.5% |
78.1%
-3.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
56% |
| Delinquency Rate |
1.8%
+53.5% YoY+27.1% QoQ
|
+1.0 |
0.8%
-4.9% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Top 6.5% in tier |
| Loan To Share |
80.0%
-11.9% YoY-4.4% QoQ
|
-1.0% |
81.0%
-1.8% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
42% |
| AMR |
$27,299
-0.3% YoY-0.1% QoQ
|
+$818 |
$26,482
+2.6% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
64% |
| CD Concentration |
28.3%
+10.5% YoY+2.6% QoQ
|
+3.9% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
65% |
| Indirect Auto % |
3.8%
-36.0% YoY-12.4% QoQ
|
-10.2% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
43% |
Signature Analysis
Strengths (0)
Concerns (4)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)