BlastPoint's Credit Union Scorecard
CITY OF BOSTON
Charter #67841 · MA
CITY OF BOSTON has 1 strength but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.8% in tier
- - Efficiency Drag: Bottom 12.5% in tier
- - Institutional Decline: Bottom 18.7% in tier
- - Stagnation Risk: Bottom 79.8% in tier
- - Accelerating Exit Risk: Bottom 79.8% in tier
- - Membership Headwinds: Bottom 79.8% in tier
- - Flatlined Growth: Bottom 89.8% in tier
- - Shrinking Wallet Share: Bottom 91.0% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 8 that size in Massachusetts.
- Shares and deposits -2.3% year over year ($467M in shares and deposits).
- Membership: 31,261 members, -2.7% vs a year ago.
- Delinquency rate 1.95%.
- Return on assets 0.39%.
- Efficiency ratio 88.91% vs a 76.56% peer average.
- Loan-to-share ratio 78.90% vs a 79.33% 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 |
31,261
-2.7% YoY+0.1% QoQ
|
-6.6K |
37,897
-5.0% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
25% |
| Assets |
$544.5M
-1.4% YoY-0.3% QoQ
|
$-77.9M |
$622.4M
+0.6% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$368.1M
-8.0% YoY-2.3% QoQ
|
$-60.4M |
$428.5M
-0.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
25% |
| Deposits |
$466.6M
-2.3% YoY-0.5% QoQ
|
$-73.1M |
$539.8M
+0.9% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
18% |
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 |
0.4%
-12.7% YoY-16.1% QoQ
|
-0.4% |
0.8%
+39.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
23% |
| NIM |
3.0%
-0.5% YoY-2.4% QoQ
|
-0.5% |
3.5%
+5.0% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
16% |
| Efficiency Ratio |
88.9%
+15.4% YoY+2.1% QoQ
|
+12.3% |
76.6%
-3.6% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.9% in tier |
| Delinquency Rate |
2.0%
+34.6% YoY+27.4% QoQ
|
+1.1 |
0.8%
+3.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.2% in tier |
| Loan To Share |
78.9%
-5.8% YoY-1.9% QoQ
|
-0.4% |
79.3%
-1.4% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
41% |
| AMR |
$26,703
-2.3% YoY-1.4% QoQ
|
$-591 |
$27,294
+4.1% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
59% |
| CD Concentration |
28.3%
+2.8% YoY-0.2% QoQ
|
+3.8% | 24.6% | 25.4% | 20.0% | 65% |
| Indirect Auto % |
2.2%
-50.0% YoY-18.5% QoQ
|
-11.4% | 13.6% | 2.4% | 7.7% | 39% |
Signature Analysis
Strengths (0)
Concerns (8)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)