PackageTrendsPeer
Letter portraitLegal landscape

City of Boston

South Boston, MA · Charter 67841

NCUA · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

14

Q2 2024Q2 2026peer median (50)

Asset Quality

8

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

20

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

City of Boston

South Boston, MA · Charter 67841

NCUA · 7 branches

Q2 2026

$544.5MAssets
$368.1MLoans
$466.6MShares
$49.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.39%, down 6 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 1.95% of loans (+50 bps YoY).
  • Capital: net worth / assets of 9.07%, up 40 bps from a year ago.
  • Funding: loans stand at 78.90% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.39%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.01%-3 bps YoY

Efficiency Ratio (YTD, annualized)

88.91%+1,184 bps YoY

Net Worth / Assets

9.07%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.47%0.50%0.46%0.39%-6 bps
Return on Equity5.15%5.42%5.81%5.15%4.28%-87 bps
Net Interest Margin3.04%2.98%2.99%3.08%3.01%-3 bps
Efficiency Ratio77.07%79.62%78.15%87.08%88.91%+1,184 bps
Growth
Asset Growth (YoY)-2.74%2.51%1.13%-2.24%-1.39%+135 bps
Loan Growth (YoY)-9.83%-9.76%-8.20%-7.95%-8.01%+182 bps
Share Growth (YoY)-2.38%2.37%0.11%-3.43%-2.35%+3 bps
Asset Quality
Delinquent Loans / Loans1.45%1.84%2.59%1.53%1.95%+50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.67%8.65%8.64%8.96%9.07%+40 bps
Net Worth / Assets8.67%8.65%8.64%8.96%9.07%+40 bps
Liquidity & Funding
Loans / Shares83.75%80.03%80.17%80.42%78.90%-485 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

City of Boston

South Boston, MA · Charter 67841 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 7 branches

Q2 2026

$544.5MAssets
$368.1MLoans
$466.6MShares
$49.4MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 47% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 35 of 66).
  • Widest gap: nonperforming loans / loans trails 92% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 62 of 66).
  • Overall: at or above the peer median on 0 of 7 directional measures.

Return on Assets

0.39%

Rank 48 of 66

Net Interest Margin

3.01%

Rank 42 of 66

Efficiency Ratio

88.91%

Rank 54 of 66

Equity / Assets

9.07%

Rank 57 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.39%0.38%0.59%1.00%Beats 27%48 / 66
Return on Equity4.28%2.62%4.89%6.39%Beats 47%35 / 66
Net Interest Margin3.01%2.83%3.27%3.84%Beats 36%42 / 66
Efficiency Ratio88.91%68.43%80.15%87.18%Beats 20%54 / 66
Asset Quality
Nonperforming Loans / Loans1.95%0.08%0.48%1.18%Beats 8%62 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.07%9.84%13.79%17.21%Beats 14%57 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.07%9.84%13.79%17.21%Beats 14%57 / 66
Liquidity & Funding
Loans / Deposits78.90%50.73%71.54%81.61%67th pctl22 / 66
Loans / Assets67.61%40.53%57.05%68.92%71st pctl19 / 66
Brokered Deposits / Depositsn/aNot reported for this institution