Federal credit union · Boston, Massachusetts · NCUA charter #524
Boston Customs
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $2.4M
- Total assets
- 354
- Members
- 16.6%
- Net-worth ratio
Boston Customs scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.4M; members 354; net-worth ratio 16.58%; health rank #1,401 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,401 of 4,374 health · 2025Q4Boston Customs · health 88/100 · $2.4M · 2025Q4
Call Report peers
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Boston Customs vs every NCUA-scored credit union
Boston Customs sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Boston Customs: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +6.08 pp (69.68% vs 63.60%).
- Largest lag: Net Worth Ratio at 16.58% vs peer 19.06% (-2.48 pp).
Where Boston Customs sits in Massachusetts
- Massachusetts health ordinal: #40 of 126.
- Massachusetts assets place: #120 of 126.
- Membership ranks #117 of 126 among Massachusetts CUs with a reported count (354 members).
- One place up in Massachusetts, Central One (#39) scores 89/100, 1 point higher; one place down, HTM (#41) ties at 88/100.
How Boston Customs's 5300 filing moved
Boston Customs: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $2.4M (2025Q4) to $2.5M (2026Q1).
- Net-worth ratio shifted +0.02 pp (16.56% → 16.58%).
This credit union's 16.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Boston Customs gives up 12 points in total. Member Growth costs the most, 7.5 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.7 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Boston Customs
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.58% | -2.48 pp |
| Delinquency Rate | 0.47% | -1.34 pp |
| Return on Assets | 0.21% | -0.24 pp |
| Member Growth | -0.84% | - |
| Loan-to-Share Ratio | 69.68% | +6.08 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.5M | - |
| 2025Q4 | $2.4M | 354 |
| 2024Q4 | $2.4M | 357 |
| 2023Q4 | $2.5M | 345 |
Credit Union Details
- Charter Number
- 524
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- Boston
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Boston Customs runs one office.
| Office | City |
|---|---|
| Office (Main Office) | Boston, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Boston Customs ranks #1,401 of 4,374 nationally on financial health and #40 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Stoughton Town Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Stoughton Town Employees
Frequently Asked Questions
Is Boston Customs financially healthy?
On its 2025Q4 NCUA 5300 filing, Boston Customs scores 88/100 (Excellent), with a 16.58% net worth ratio and 0.47% of loans delinquent. It ranks #1,401 of 4,374 nationally on health and #40 of 126 in Massachusetts.
How does Boston Customs compare to other credit unions?
Boston Customs scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (69.68% vs 63.60%). Its widest shortfall is net worth ratio (16.58% vs 19.06%).
How can I join Boston Customs?
Boston Customs carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Boston Customs directly to confirm current membership steps.
Is my money safe at Boston Customs?
Boston Customs is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Boston Customs's net worth ratio of 16.58% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.