Boston, MA · Charter 67891
NCUA · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
81
Asset Quality
83
Profitability
28
Liquidity
86
Efficiency
1
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.
Boston, MA · Charter 67891
NCUA · 1 branch
Q4 2024
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | 0.01% | 0.02% | -0.79% | -1.97% | -1.47% | -1.37% | -3.48% | -269 bps | |
| Return on Equity | -0.75% | 0.05% | 0.12% | -4.57% | -11.56% | -8.34% | -7.40% | -19.43% | -1,486 bps | |
| Net Interest Margin | 3.28% | 3.66% | 3.60% | 3.81% | 3.70% | 3.97% | 4.24% | 4.54% | +73 bps | |
| Efficiency Ratio | 103.43% | 99.76% | 99.46% | 120.30% | 125.81% | 123.63% | 123.40% | 169.08% | +4,878 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.05% | -11.44% | -11.17% | -12.02% | -13.26% | -12.20% | -16.11% | -19.47% | -745 bps | |
| Loan Growth (YoY) | 34.49% | 7.58% | -2.09% | -7.61% | -5.19% | -10.39% | -19.96% | -23.15% | -1,554 bps | |
| Share Growth (YoY) | -6.58% | -13.20% | -13.03% | -14.33% | -14.68% | -13.30% | -17.83% | -19.79% | -546 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.63% | 0.00% | 0.10% | 0.23% | 0.16% | -47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.12% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.90% | 16.90% | 17.19% | 17.22% | 17.07% | 17.67% | 18.55% | 17.90% | +68 bps | |
| Net Worth / Assets | 15.90% | 16.90% | 17.19% | 17.22% | 17.07% | 17.67% | 18.55% | 17.90% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.31% | 68.90% | 70.49% | 71.26% | 71.46% | 71.20% | 68.66% | 68.28% | -298 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Boston, MA · Charter 67891 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
Return on Assets
-3.48%
Rank 1,706 of 1,724
Net Interest Margin
4.53%
Rank 308 of 1,723
Efficiency Ratio
169.37%
Rank 1,710 of 1,721
Equity / Assets
17.91%
Rank 319 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.48% | 0.25% | 0.67% | 1.13% | Beats 1% | 1,706 / 1,724 | ||
| Return on Equity | -19.45% | 1.95% | 5.34% | 8.54% | Beats 2% | 1,691 / 1,723 | ||
| Net Interest Margin | 4.53% | 3.03% | 3.61% | 4.27% | Beats 82% | 308 / 1,723 | ||
| Efficiency Ratio | 169.37% | 69.84% | 78.36% | 87.50% | Beats 1% | 1,710 / 1,721 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.28% | 0.70% | 1.38% | Beats 83% | 295 / 1,721 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.90% | 10.16% | 12.41% | 16.03% | Beats 81% | 321 / 1,724 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.91% | 10.15% | 12.41% | 16.03% | Beats 81% | 319 / 1,723 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.28% | 55.95% | 72.66% | 85.34% | 43rd pctl | 988 / 1,722 | ||
| Loans / Assets | 55.09% | 47.91% | 62.00% | 72.82% | 37th pctl | 1,093 / 1,723 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||