BlastPoint's Credit Union Scorecard
CITY OF BOSTON
Charter #67841 · MA
CITY OF BOSTON has 1 strength but faces 12 concerns
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How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.4% in tier
- - Stagnation Risk: Bottom 6.5% in tier
- - Institutional Decline: Bottom 14.2% in tier
- - Membership Headwinds: Bottom 40.5% in tier
- - Flatlined Growth: Bottom 50.0% in tier
- - ROA 0.16% below tier average
- - Efficiency ratio 0.64% above tier (higher cost structure)
- - Delinquency rate 1.75% above tier average
- - Member decline: -3.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.8% in tier
- - First Mortgage Concentration (%): Bottom 3.6% in tier
- - Loan Growth Rate: Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,227
-3.4% YoY-2.6% QoQ
|
-7.3K |
38,575
-4.8% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$559.0M
+1.1% YoY-0.6% QoQ
|
$-62.8M |
$621.7M
+0.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$386.2M
-8.2% YoY-0.8% QoQ
|
$-43.7M |
$429.8M
-1.8% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$481.6M
+0.1% YoY-0.9% QoQ
|
$-57.1M |
$538.7M
+0.6% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
0.5%
-171.3% YoY+5.7% QoQ
|
-0.2% |
0.7%
+42.9% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
41% |
| NIM |
3.0%
-4.9% YoY-0.6% QoQ
|
-0.5% |
3.4%
+8.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
78.2%
-32.9% YoY-1.8% QoQ
|
+0.6% |
77.5%
-4.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
2.6%
+86.9% YoY+40.7% QoQ
|
+1.8 |
0.8%
-1.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Top 1.8% in tier |
| Loan To Share |
80.2%
-8.3% YoY+0.2% QoQ
|
+0.3% |
79.8%
-2.3% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$27,790
-0.4% YoY+1.8% QoQ
|
+$941 |
$26,849
+2.7% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
27.1%
+3.7% YoY-4.1% QoQ
|
+2.7% | 24.4% | 25.0% | 19.8% | 60% |
| Indirect Auto % |
3.2%
-40.4% YoY-15.1% QoQ
|
-10.5% | 13.8% | 2.4% | 7.8% | 42% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)