City of Boston Credit Union
Major Rating Factors:
Fair current capitalization (4.4 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 8.7. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.5 has resulted in Fair (3.9) profitability.
Other Rating Factors:
A current level of 16.4 percent of nonperforming loans to core capital contributes to the Good asset quality (5.9). Fair liquidity 3.4, driven by a liquidity ratio of 20.1 percent and a “hot money” ratio of 19.2 percent.
Asset Mix:
Home mtgs (46%), consumer loans (15%), comm loans (0%), other (39%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
455 West Broadway
South Boston, MA 02127
South Boston, MA 02127
Phone Number
(617) 941-5606
NCUA Charter Number
Website
Largest Competitors
Marlborough, MA
Rockland, MA
Chelsea, MA
South Boston, MA
South Boston, MA