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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.39% | 0.38% | 0.59% | 1.00% | Beats 27% | 48 / 66 | |
| Return on Equity | 4.28% | 2.62% | 4.89% | 6.39% | Beats 47% | 35 / 66 | |
| Net Interest Margin | 3.01% | 2.83% | 3.27% | 3.84% | Beats 36% | 42 / 66 | |
| Efficiency Ratio | 88.91% | 68.43% | 80.15% | 87.18% | Beats 20% | 54 / 66 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.95% | 0.08% | 0.48% | 1.18% | Beats 8% | 62 / 66 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.07% | 9.84% | 13.79% | 17.21% | Beats 14% | 57 / 66 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.07% | 9.84% | 13.79% | 17.21% | Beats 14% | 57 / 66 | |
| Liquidity & Funding |
| Loans / Deposits | 78.90% | 50.73% | 71.54% | 81.61% | 67th pctl | 22 / 66 | |
| Loans / Assets | 67.61% | 40.53% | 57.05% | 68.92% | 71st pctl | 19 / 66 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |