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 6.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.6% in tier
- - Institutional Decline: Bottom 18.2% in tier
- - Efficiency Drag: Bottom 21.4% in tier
- - Stagnation Risk: Bottom 82.5% in tier
- - Accelerating Exit Risk: Bottom 82.5% in tier
- - Membership Headwinds: Bottom 82.5% in tier
- - Shrinking Wallet Share: Bottom 89.7% in tier
- - ROA 0.23% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,228
-3.3% YoY+0.0% QoQ
|
-6.9K |
38,079
-4.8% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$546.2M
-2.2% YoY-2.3% QoQ
|
$-73.5M |
$619.7M
-0.2% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans |
$377.0M
-8.0% YoY-2.4% QoQ
|
$-42.3M |
$419.3M
-1.4% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
30% |
| Deposits |
$468.8M
-3.4% YoY-2.7% QoQ
|
$-70.7M |
$539.5M
-0.1% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
19% |
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 |
0.5%
+69.1% YoY-7.8% QoQ
|
-0.2% |
0.7%
+36.0% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
35% |
| NIM |
3.1%
+1.9% YoY+3.2% QoQ
|
-0.4% |
3.5%
+4.5% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
87.1%
-1.8% YoY+11.4% QoQ
|
+8.7% |
78.4%
-3.7% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
80% |
| Delinquency Rate |
1.5%
+78.8% YoY-41.0% QoQ
|
+0.8 |
0.7%
-0.9% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.4% in tier |
| Loan To Share |
80.4%
-4.7% YoY+0.3% QoQ
|
+2.7% |
77.7%
-1.2% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
53% |
| AMR |
$27,085
-2.3% YoY-2.5% QoQ
|
+$157 |
$26,927
+3.1% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
62% |
| CD Concentration |
28.4%
+5.4% YoY+4.8% QoQ
|
+4.1% | 24.3% | 25.2% | 19.8% | 66% |
| Indirect Auto % |
2.7%
-45.9% YoY-17.5% QoQ
|
-11.1% | 13.8% | 2.3% | 7.7% | 41% |
Signature Analysis
Strengths (0)
Concerns (7)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)