City of Boston Credit Union
Major Rating Factors:
Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.4 has resulted in Fair (3.5) profitability.
Other Rating Factors:
A current level of 13.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.3). Fair liquidity 3.1, driven by a liquidity ratio of 15.4 percent and a “hot money” ratio of 18.6 percent.
Asset Mix:
Home mtgs (47%), consumer loans (17%), other (36%)
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